Insurance in the music business – why it matters
Whether you’re a house DJ, a classical pianist or one quarter of a rock band, using specialist equipment is part of your day. Keeping it protected against damage, theft and loss is crucial, but there are other risks too. Someone could get injured at one of your concerts and bring a liability claim against you or you could have an accident yourself, leaving you unable to work. Business insurance helps you deal with life’s unexpected events, so you can focus on doing what you do best.
Why DJs and musicians need business insurance
Damage, theft and loss
As a DJ, insurance can mean the difference between repairing or replacing your equipment in time to meet your commitments. Someone might break into your tour van and steal all of your gear, but equally, spill a cup of coffee and suddenly you’re in real trouble. Apart from the sentimental value of musical instruments, the practical reality of missing a vital engagement and having a client claim you’ve ruined their day is something you need to be protected against.
Accidents and injury
All it takes is someone tripping over a loose cable at your gig for them to try to claim compensation from you. On top of the financial cost of dealing with the claim, you’ve got your reputation to think about. Protecting yourself with public liability insurance gives you a proper plan for dealing with legal action, so you can get back to normal with minimal disruption.
Loss of earnings
It’s great to do what you love for a living, but if you can’t perform, you can’t earn. Whether lifting a heavy amplifier puts your back out for a few days, or you’re involved in a traffic collision and you need a couple of weeks off, personal accident insurance can help with your expenses so you can concentrate on getting better.
If you’re not sure what you need, tell us a little more about what you do. We’ll help you to build your quote and explore any other insurance needs.Build my cover
Key types of insurance for DJs and musicians
These are just some of the types of business insurance for DJs and musicians that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.Get your quote