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Winner – Best Insurance Provider | Event Production Awards 2026

Musicians Insurance

Specialist insurance for musicians, bands and performers, with cover tailored to live work, rehearsals, touring, equipment and liability exposures.
Cover can include public liability, employers’ liability, equipment insurance and other music-related risks depending on the nature of the work.
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Musicians Insurance for UK Performers and Music Professionals

Musicians and performers can face a range of liability and equipment exposures depending on where and how they work. Live performances, rehearsals, venue attendance, transport of instruments and hired equipment can all affect the insurance requirements.

Some venues, organisers or contracting parties may require evidence of public liability insurance before performances or rehearsals can take place. The insurance arrangements may also need to reflect the value of instruments, sound equipment or other gear used as part of the work.

Taylor Made Risk Solutions arranges specialist insurance for musicians and understands the risks associated with live performance, touring, rehearsals and music-related activities.

Typical activities we see include:

  • Live music performances
  • Band rehearsals
  • Session musician work
  • Touring activities
  • Solo performers and duos
  • Venue-based performances
  • Function and wedding bands
  • Music professionals using specialist instruments or equipment

Speak to a Specialist Musicians Insurance Broker

If you are a musician, performer or band and require specialist insurance, our team can assist in presenting the risk to insurers and arranging appropriate cover.

We understand that live performance, venue attendance and valuable instruments can all affect the insurance required.

Request a Quote

Specialist Insurance for Musicians

Musicians often work in a range of environments including live venues, rehearsal spaces, studios, festivals and private events. These settings can create different liability and equipment exposures compared with a standard office-based business.

Insurers may want to understand the nature of the performances undertaken, the value of instruments and equipment used, whether any staff or crew are involved and how often the work takes place away from fixed premises.

A specialist approach helps ensure that the insurance reflects the practical realities of performing, rehearsing and transporting valuable equipment.

Who This Insurance Is For

Musicians insurance may be suitable for:

  • Solo musicians
  • Bands and groups
  • Session musicians
  • Function and wedding bands
  • Touring performers
  • Instrumentalists and vocalists
  • Music professionals
  • Performers using specialist instruments or equipment

Insurance Cover May Include

Depending on the nature of the performances, venues attended and equipment used, cover can be tailored to include a range of protections relevant to musicians, bands and music professionals.

Public Liability Insurance

Protection for legal liability arising from injury to third parties or damage to third-party property during performances, rehearsals or music-related activities.

Employers’ Liability

Required where staff are employed and potentially relevant where crew, technicians or support personnel are engaged.

Instrument & Equipment Insurance

Cover for instruments, sound equipment and other music-related equipment used in connection with performances or rehearsals.

Performance & Operational Risks

Insurance arrangements can be tailored depending on where you perform, how equipment is transported and the way your music activities operate.

Why Specialist Musicians Insurance Matters

Musicians often transport valuable instruments and equipment between venues, rehearsal rooms and performance locations. Live performance environments can also create third-party liability exposures that differ from those of a standard business.

Some venues, promoters and organisers may request evidence of public liability insurance before allowing musicians to perform. A specialist insurance approach helps ensure that the performance environment, equipment values and practical working arrangements are properly considered.

Examples of Music Activities We Commonly See

  • Live performances at venues and events
  • Band rehearsals
  • Session musician work
  • Wedding and function performances
  • Festival appearances
  • Touring activities
  • Studio sessions
  • Music performance at private and corporate events

Musicians Insurance FAQ

What insurance do musicians need?
This depends on the nature of the work, but musicians commonly require public liability insurance and cover for instruments or equipment. Additional cover may also be relevant depending on whether performances take place at venues, events or festivals, and whether valuable instruments or sound equipment are regularly transported.
Do musicians need public liability insurance?
In many cases, yes. Venues, promoters and organisers may require musicians to hold public liability insurance before performances can take place. It is particularly relevant where members of the public are present.
Can instruments and music equipment be insured?
Yes, subject to insurer terms, instruments, amplifiers, sound equipment and related gear can often be insured. The terms available will usually depend on the type and value of the equipment, where it is used and how it is transported or stored.
Does venue work affect the insurance required?
Yes. Performing at venues, festivals, weddings or public events may increase liability exposure and can affect the type and level of insurance required. Some venues may also request proof of cover before allowing performances to proceed.
Can cover be arranged for bands and touring musicians?
Yes. Subject to insurer appetite and the nature of the activities, specialist cover can often be arranged for solo performers, bands and musicians involved in touring or repeated live performances.

Related Specialist Insurance

We also arrange insurance for related industries including recording studios, festival organisers, photographers and media production businesses.

Recording Studio Insurance
Festival & Event Insurance
Photographer Insurance
Media Production Insurance

Additional Covers Often Considered

Musicians and performers often travel for gigs, tours and performances and may also require other types of insurance alongside liability cover.

  • Professional indemnity insurance for certain advisory or contracted services
  • Personal accident insurance for performers working on stage or travelling for work
  • Travel insurance for tours, performances or international events
  • Portable equipment insurance for instruments and sound equipment

The appropriate cover will depend on the nature of the performances and the equipment used.

Return to our specialist insurance services overview

Speak to a Specialist Musicians Insurance Broker

If you are a musician, performer or band and require specialist insurance, our team can assist in presenting the risk to insurers and arranging appropriate cover.

We understand that live performance, venue attendance and valuable instruments can all affect the insurance required.

Request a Quote