Music Teacher Insurance
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Affordable Music Teacher Insurance
Music Teacher Insurance Coverage
Coverage types and limits included in liability insurance for music teachers:
The most your policy will pay for bodily injury and property damage claims occurring in the policies term that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum amount paid per incident during the term of the policy.
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Included
Optional Add-Ons
Financial coverage if you experience false allegations of sexual abuse, molestation, or misconduct.
$300,000
$500,000 or $1,000,000
What Is Music Teacher Insurance?
Why Do Music Teachers Need Liability Insurance?
Liability insurance can keep your music teaching business afloat if you get hit with a costly claim. Plus, some schools or organizations you could work for may require you to have insurance and ask to be an additional insured to protect them from any mistakes you make.
Whether or not you’re required to carry insurance, it’s a great way to demonstrate professionalism to your clients and protect your business and finances if something goes wrong.
How Much Is Music Teacher Liability Insurance?
The starting price for liability insurance for music teachers is $21.08 per month or $229 per year, which includes general and professional liability coverage.
The cost of your premium can increase depending on which state you do business in or if you added optional coverages during checkout, such as cyber liability or equipment and instrument insurance.
Learn more about music teacher insurance cost.
What Are the Risks of Being a Music Teacher?
Because you work with other people and expensive equipment, you face risks that could lead to costly claims. Below are a few examples of the dangers music teachers face:
- While lugging your tuba into the classroom, the bulky case bangs into the wall and creates a giant hole. The school holds you responsible for repairs.
- One of the students who takes piano lessons from you trips over some cords on the floor at your house and injures themselves. They sue you to cover the cost of their medical bills.
- As your student is walking out of your music studio, they accidentally knock one of your guitars off of its stand and it breaks. Now you have to purchase a new guitar to replace it.
Incidents like these are scary and can be costly. But liability insurance can provide a financial safety net so you don’t have to fret if something goes wrong.
What Types of Insurance Do Music Teachers Need?
To properly shield your business and finances from common claims, you need the following coverages:
- General Liability
- Professional Liability (aka Errors and Omissions)
- Products-Completed Operations
- Damage to Premises Rented to You
- Personal and Advertising Injury
Our private music teacher insurance shields your livelihood with the above coverages included in the base policy. But, if you need extra coverage, we make it super easy to compose the perfect policy with add-ons, like:
- Cyber Liability (Data Breach Coverage)
- Inland Marine (Equipment and Instrument)
- Additional Insureds
- Sexual Abuse and Molestation (SAM) Liability
- Workers Compensation
- Higher limits for General and Professional Liability ($1M per occurrence / $3M aggregate)
What Is Musical Equipment and Instrument Insurance?
Equipment and instrument insurance for music teachers is there to help cover the cost of stolen or damaged instruments, equipment, and other teaching materials.
It’s no secret that instruments aren’t cheap, so the last thing you need is to be faced with paying hundreds—or even thousands—of dollars to replace one. For just $2.17 a month, you can add equipment and gear coverage to your policy and receive up to $4,000 per coverage year.
What’s Covered in Music Teacher Insurance?
General Liability Coverage
General liability insurance protects you from the cost of third-party bodily injury and property damage claims.
Picture this: Your student trips over a guitar stand at your house and injures themselves. The next thing you know, they’re suing you to pay for their medical bills.
Your general liability coverage could respond to this claim and help cover some, if not all, of the cost.
Professional Liability Coverage (aka Errors and Omissions)
Protect yourself from the cost of claims that result from the advice and coaching you give as part of teaching music.
If you were teaching someone piano lessons to help them get into a music program at a university, but they aren’t accepted, they might sue you and accuse you of failing to instruct them properly.
That’s where professional liability coverage comes in. It can protect you from claims like this and others relating to your professional services.
Products-Completed Operations Coverage
One of your former students sues you because they claim the way you taught them to hold their instrument caused them to develop carpal tunnel.
Products-completed operations coverage could respond to a claim like this and shield you from paying for legal defense or settlement fees out of pocket.
Cyber Liability Coverage
Cyber attacks and data breaches are unfortunate realities that could happen to your business.
You need cyber liability coverage if you keep your clients’ payment methods, full names, date of birth, or other personal data on a computer, smartphone, point of sale device, and so on. This policy can protect you if sensitive customer information falls into the wrong hands.
Damage to Premises Rented to You
If you rent a space to teach music lessons, such as a studio or classroom, you can be held financially responsible for any damage you cause to that space while teaching there.
This coverage can respond to claims like this and help pay to replace or repair whatever was damaged.
Personal and Advertising Injury
Let’s say a private school contracts you to teach there. You have a terrible experience there and decide to post a bad review about them. This school can sue you for libel or slander.
In this scenario, personal and advertising injury insurance can cover attorney and settlement fees, if necessary.
Equipment and Materials Coverage (Inland Marine)
If your instruments and teaching equipment are damaged or stolen, they can be expensive to replace or repair. Equipment and instrument coverage (aka Inland Marine or Business Personal Property coverage) protects your investment.
If a student knocks over and breaks your keyboard during a lesson, replacing it could cost you hundreds of dollars. Adding equipment and gear coverage to your policy can shield you from paying entirely out of pocket if this happens to you.
Additional Insureds
Additional insureds are people or organizations your policy doesn’t automatically insure but who you might add by request. For example, the private school that hires you as an independent contractor might ask you to add them to your policy to protect them from any mistakes you make while teaching there.
You can add unlimited additional insureds to your Insurance Canopy policy at no charge. Add them during checkout or any time afterward from the convenience of your user dashboard.
Sexual Abuse & Molestation (SAM) Liability Coverage
During marching band practice, you briefly touch a student’s elbow as they hold their instrument to correct their technique. This could help them avoid injury. Although you explain the adjustment, the student doesn’t fully understand and misinterprets the touch as inappropriate. Their parents sue you.
An allegation is every teacher’s nightmare, but it’s not something you have to face alone. If you experience a false accusation of sexual harassment or other misconduct, SAM liability insurance is designed to help pay for your defense, including lawyer fees and other legal costs.
Workers Compensation
If you have one employee or more (including part-timers, seasonal help, and interns), most states require you to have workers comp insurance. This covers expenses like medical bills, lost wages, and funeral costs if an employee gets injured or sick due to work.
Insurance Canopy offers comprehensive workers comp coverage to keep your business compliant and your employees protected.
Insurance Can Save You Thousands
A parent visited a music studio, slipped on a wet floor, and injured their back. $100,000
Music teacher knocked over a vase at a student’s home. $5,000
Student tripped over an amplifier power cord and broke their arm. Their parents sued the teacher. $20,000
Get covered instantly.
A student claimed their music teacher didn’t prepare them for an audition and sued. $10,000
Music teacher provided incorrect info about a music theory exam. After failing the test, the student sued. $2,000
Why Choose Insurance Canopy?
Insurance Canopy offers high-quality and affordable music teacher liability insurance with a hassle-free online application.
We believe in getting you the perfect policy with the coverage you need, which is why our U.S.-based licensed insurance agents don’t work on commission—they’re not here to sell you any coverage you don’t need. We also rock an A+ rating from AM Best, which is like having perfect pitch in the insurance world.
- Quick online checkout process
- Instant Certificate of Insurance (COI)
- Customizable policies to suit your unique needs
- 24/7 access to your policy documents
- Free and unlimited additional insureds
You're In Good Company With Insurance Canopy
Over 36,000 professionals, including music teachers, trust Insurance Canopy for their liability insurance. See what our customers have to say about us!
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
Have Questions About Music Teacher Insurance? We’re On It.
Does My Insurance Cover My Instruments and Equipment?
If you opt into equipment and instrument insurance (also called “Inland Marine”), your instruments, equipment, and teaching materials can be covered if they get stolen or damaged while you teach.
This add-on coverage is available for just $2.17 per month and offers up to $4,000 per policy year—an amazing deal considering the hundreds or thousands of dollars you spend on instruments and other gear.
Why Do Private Music Teachers Need Liability Insurance?
Private music teachers need insurance to protect their finances and reputation. If you get hit with an expensive claim, your liability insurance policy could help pay for some, if not all, of it. Compare that with spending thousands of dollars out of pocket and it’s clear why insurance is a must-have for private music teachers.
Plus, a claim like this could make you look unprofessional if it makes you shut down your business temporarily or permanently. If you’re insured and your policy covers the claim, you look prepared and responsible to clients, which can benefit your business.
If the School I Work at Has Liability Insurance, Do I Still Need a Policy?
Yes, you do! The school’s policy covers them for any mistakes they’re deemed responsible for, but not for any you make. Also, their policy may only extend to you when you’re on their property.
For example, if you met up with a student off school premises for private music lessons and they injured themselves on your gear, your school’s policy wouldn’t respond to that claim. Since it didn’t happen on school property, you’d need your own liability insurance to cover the damages.
Do I Have to Join an Association to Get Music Teacher Insurance?
No—you don’t have to be part of an association to qualify for Insurance Canopy’s music teacher insurance. If you belong to an association, you can still get a policy with us, but we don’t require you to join any association.
How Much Does Music Teacher Insurance Cost?
Insurance for private music teachers starts at just $21.08 per month or $299 per year. While it may seem like just another monthly expense for your business, insurance is an investment that can ultimately save you thousands of dollars in claims. The peace of mind you get from being insured is well worth the cost.
Music Instructor Insurance
Protect Your Instruments — Don’t skip a beat! Insurance Canopy’s music teacher insurance is in tune with your needs. Fill out our 100% online, 10-minute application. Get top-rated coverage starting at $21.08/month and add equipment and instrument coverage to your policy for an extra $2.17/month.
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