What is musicians insurance?
Working in a creative profession has its risks, like every other business. Your equipment is important to you as a musician and it deserves as much protection as the rest of your business. But you don’t just need a generic insurance policy – you need one that works around your unique needs.
Why do you need musicians insurance?
Here at Tradesman Saver, we understand that your profession has its own concerns, and we want to help you address them. Our policy has been designed by working with businesses like yours, and is customisable to your specific requirements with our online quote form. That’s insurance, made easy.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Tradesman Saver’s Public Liability Cover For Musicians
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
There are many insurance options which would benefit your musicians business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.
Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies for a musicians business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as a musician and you can get your quote online in minutes.
It Shouldn’t Happen To A Musician
Here are some examples of claims:
You’ve been playing at a wedding venue and you load your instruments into your van after the event ends. You leave your van unattended to collect some more bits from indoors, but when you return to your van, you discover your equipment has been stolen from the van. Fortunately, thanks to your tools & equipment insurance, your insurer pays out to replace your missing equipment, so your business doesn’t have to be put on hold because of someone else’s sticky fingers.
You’re playing at a venue, but as you’re setting up your equipment, a passerby trips over your amplifier, injuring themselves in the process. They seek compensation from you for the injury. Your public liability insurance is your greatest ally here – it’ll cover the costs of the compensation, so you can continue focusing on what you do best.
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