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Musical Instrument Insurance: Should You Have It?

As an aspiring musician, do you know what insurance you need and more importantly, the insurance you are legally required to have? Here's all the details...

You’ve spent years learning your instrument, honing your skills (perhaps through studying at undergraduate and postgraduate level) and writing songs, now it’s time to take them on the road. 

But did you know that, whether you are a singer, member of a band, DJ or cellist, there are areas of insurance you will be responsible for.  The team at the team at Eggar Forrester Creative have kindly put together a list of what you need to make sure your equipment, instruments and ability to perform are fully covered. 

Musical Equipment and Instrument Insurance

Perhaps the most obvious and self-explanatory. Equipment Insurance can provide cover in the event of loss, theft, or damage to your own equipment or equipment you have hired.

When music is your livelihood as well as your passion, if something happens to your instrument, you want to know that it can be repaired or replaced quickly and easily. You take good care of your instrument, but there’s always the possibility it could be damaged, lost, or stolen. This risk increases when you’re on the road. Without the right insurance you would have to pay for any repairs or replacements out of your own pocket, which could be substantial.

Don’t Presume You Are Covered by Home Contents Insurance

Many musicians assume their home contents insurance will automatically cover their musical instruments and equipment. Unfortunately, this is not the case.  Adding cover to your household insurance can be expensive and making a claim on the policy could increase the cost of your annual premium. 

If your home contents insurance does cover your instruments or equipment, it is most unlikely that they will be covered outside the home. When you are on tour or gigging this is very important. Make sure you know what and where you are covered for and if you need to get seperate insurance for when you are travelling.

How Much Will Musical Instrument Cover Cost?

The cost will totally depend on the value of your equipment and the level of cover.  It is important that you have the right level of cover so make sure you are clear about values and where you keep your equipment.

Public Liability for Musicians  

Accidents happen, a split-second lapse in concentration could end up costing you dearly, and so it’s always sensible to have public liability in place. What if something untoward happened at an event and you, or a member of your band, were deemed responsible? It could be damage to the venue with a repair bill of thousands or, worse, someone is injured and there are medical bills, compensation, or even hefty legal bills to pay.

The number of venues and events where Public Liability Insurance is required before you can play there is also at an all-time high.

Professional Indemnity for Musicians

In special circumstances, you might need cover for professional negligence if you work as a freelance, self-employed music educator, lecturer or music therapist. Regardless of your professional qualifications and experience, things don't always go to plan and PI could help protect you if a disagreement arises.

Copyright Infringement for Composing and Publishing Music

Music copyright is part of a wider UK copyright law, designed to protect musicians from the exploitation of their work. It also allows songwriters to make money from their music. In the UK, copyright is created when music is manifested in a tangible form.

This means you create the publishing right when you notate the chords and melody or write down the lyrics. It can also be created if you record the song.  Copyright Infringement Insurance will require a specialist broker, such as Eggar Forrester Creative.

Don’t Put Yourself at Risk

From empty music venues, to stolen ideas, blown speakers to perforated ear-drums - the world of music has a multitude of means of extracting your hard earned time and money. Don't put yourself at risk - make sure you have the right level of cover. 

To find out more about  comprehensive Event Insurance, Music Equipment Insurance, and other related types of cover check out Eggar Forrester Creative.


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