The Hartford doesn’t offer musicians insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Musicians Insurance?
Musicians insurance is made up of different types of business insurance coverages designed to help protect you from the risks you might face as you manage your music-based business. Also known as band insurance, this coverage can fit an individual performer or a group.
A musicians insurance package can include these common types of coverages:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- Commercial auto insurance
- Cyber insurance
Why Might You Need Musicians insurance?
Musicians insurance is a collection of coverages that can help you handle the disruptions that could throw your business off beat. For example, canceling a wedding gig could lead to a breach of contract claim. Smoke from a neighboring fire could damage your equipment. A contractor could slip on your studio stairs while bringing in gear. The right type of insurance coverage helps protect you from challenges that could affect your equipment, your bookings and your finances.
Musicians insurance can help protect your business from many potential risks, like:
- Equipment theft: Your guitar and amp are stolen from your tour van overnight.
- Personal injury: A student’s parent trips over a cable during a lesson.
- Car accidents: You get into a fender bender while driving to a gig.
Who May Need Musicians insurance?
Business insurance can help protect many types of musicians, including:
- DJs
- Live performers
- Bands
- Music instructors
- Recording studios
What Musicians insurance Coverages Might I Need?
When it comes to protecting your business, you’ll want protection that matches your potential risks. Many musicians start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect you from everyday risks you might face as a musician:
General liability insurance helps protect you from claims that your work caused bodily injury or property damage to others.
General liability insurance helps protect you from claims that your work caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate your studio from, as well as the tools, equipment and inventory you rely on. These can include your:
Workers’ compensation insurance to help protect your employees and give them benefits if they have a work-related injury or illness.
- Microphones
- Mixing boards
- Speakers
- Instruments
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage, caused by fire, theft or wind.
It’s important to know that a BOP won’t cover every kind of claim you could face as a musician. You’ll need other types of coverage to create a well-rounded insurance plan, including:
Workers’ compensation insurance to help protect your employees and give them benefits if they have a work-related injury or illness.
Commercial auto insurance to help cover the costs of an auto accident that occurs while you or one of your employees uses a company-owned vehicle for work.
How Much Does Musicians insurance Cost?
Although The Hartford doesn’t offer coverage for musicians, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of insurance for a musician varies because everybody faces unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“We accidentally dropped a speaker rig and had to pay to fix the damage to the venue floor.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Business Income Insurance
“A fire broke out in the building where we run our studio. It spread, causing a ton of smoke damage and equipment failure.”
Business income insurance can help replace your lost income if you can’t operate temporarily because of a fire. This coverage can help pay for utility bills, rent or payroll.
Workers’ Compensation Insurance
“My sound engineer noticed a dull, aching pain in his wrist. He was diagnosed with carpal tunnel syndrome and had to go to months of physical therapy to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“A client claims a record wasn’t mixed correctly, causing a drop in sales. They sued my producer and my business for negligence.”
Professional liability insurance helps protect your music business from claims that it made a mistake in the services given to a client.
Commercial Property Insurance
“When we got to the studio in the morning, the windows were broken, and our equipment was destroyed.”
Commercial property insurance helps protect the equipment and tools you rely on to run your music business.
Commercial Auto Insurance
“My technician was driving to pick up supplies for an upcoming recording session when he accidentally sideswiped a car parked on the side of the road.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get a Quote for Musicians insurance Solutions
Whether you manage a small studio or tour with major acts, keep your operations in tune. Get a quote for musicians insurance today through Tivly.
Last Updated: April 30, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 National Fire Prevention Association, “Fire Loss in the United States,” viewed April 2026.
3 U.S. Equal Employment Opportunity Commission, “2023 Annual Performance Report,” viewed April 2026.
4 NIOSH, "About Motor Vehicle Safety at Work,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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