Band Insurance: Cost & Quotes From $30/mo

Table of contents

Are you part of a band or in the music industry? If so, you know how important it is to protect yourself and your equipment from unexpected accidents that can happen in concerts and other events. Music band insurance protects you from liability claims, equipment damage, and other risks. 

With various types of coverage available, such as commercial property insurance, business owner’s policy, music equipment insurance, commercial auto insurance, accident insurance, and workers’ compensation insurance for bands and DJs – there are plenty of options to choose from based on your specific needs. 

We’ll explore each type of coverage in detail and discuss its benefits. Additionally, we’ll review some of the best companies offering band insurance policies so that you can decide which one suits your needs best.

General Liability Insurance for Bands

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included


General liability insurance for bands is a type of insurance that protects the band and its members from financial loss due to claims of bodily injury or property damage caused to a third party.  Band members may encounter various risks and liabilities that may arise before, during, or after an event and that’s why they need this insurance. Here are some situations where this business insurance for bands can help:

  • If a band member accidentally damages someone else’s property while performing

  • In case equipment causes bodily injury to someone attending their show

  • In the event that a band member causes accidental injury to someone during a performance

Coverage Limits of General Liability Insurance for Bands

The coverage limits for this band liability insurance can range from $1 million to $5 million, depending on the policy and the insurer.

Add-Ons to General Liability Insurance for Bands

  • Liquor liability insurance–Provides coverage for damages caused by alcohol-related incidents at events where the band is performing

  • Hired/non-owned auto liability insurance–Offers coverage for damages caused by rented or borrowed vehicles used by the band

Does General Liability Insurance Cover Accidents During Transportation to and From a Performance Venue?

This band liability insurance typically does not cover accidents that occur during transportation to and from a performance venue. This type of insurance primarily focuses on protecting against liability claims arising from the band’s activities during the actual event or performance.


Professional Liability Insurance for Bands

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No


Professional liability insurance for bands, also known as errors and omissions insurance, provides coverage for claims of professional negligence or errors that result in financial loss for a third party. 


Specific Situations Where This Insurance Can Help

  • If a band fails to show up for a scheduled performance and the event organizer experiences financial loss as a result

  • A member fails to deliver promised services, such as sound engineering or musical instruction, resulting in financial loss for the client

  • A band member infringes on the intellectual property rights of another party, such as using copyrighted music without permission

Coverage Limits of Professional Liability Insurance for Bands

The coverage limits for this band liability insurance can range from $500,000 to $2 million, depending on the policy and the insurer.


Add-Ons to Professional Liability Insurance for Bands

  • Media liability insurance–Covers for damages resulting from the band’s advertising or promotional materials, such as copyright infringement or defamation

Can Professional Liability Insurance for Bands Cover Claims Resulting From a Band’s Failure to Meet Contractual Obligations?

Yes, if a band’s failure to meet contractual obligations results in financial loss for the client, professional liability insurance may provide coverage for those damages.


Public Liability Insurance for Bands

Public liability insurance or PLI for bands is a type of insurance that provides coverage for claims of bodily injury or property damage caused to a third party during a band’s performance or event. The policy also involves band public liability Insurance for 1 Day which provides coverage for bands or musicians during specific events or performances, including single-day gigs or concerts.


Coverage Limits of Public Liability Insurance for Bands

The coverage limits for band public liability insurance can range from $1 million to $5 million, depending on the policy and the insurer.


Can PLI Insurance for Bands Cover Claims of Food Poisoning Resulting From Food Sold at a Band’s Event?

PLI insurance for bands can potentially cover claims of food poisoning resulting from food sold at a band’s event, depending on the specific terms and coverage of the policy. PLI typically covers third-party bodily injury claims, which may include illnesses or injuries caused by the consumption of food or beverages at the event.

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Commercial Property Insurance for Bands

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance for bands is a type of insurance policy that provides coverage for the physical assets of a music band, including their instruments, equipment, and other property used for musical performances.This type of band insurance policy is crucial for bands that rely on their gear and equipment to make a living.


Coverage Limits of Commercial Property Insurance for Bands

Coverage limits for commercial property insurance for bands can vary depending on the specific policy and the needs of the band. Typically, coverage can include protection for theft, damage, loss, and destruction of instruments and equipment. The limit you select can usually range from $300,000 up to $1,000,000. Some policies also offer coverage for loss of income due to equipment failure or damage.


Specific Situations Where This Insurance Can Help

  • Theft or loss of instruments and equipment

  • Damage to instruments and equipment

  • Fire, flood or natural disasters damaging the instruments and equipment

  • Equipment failure leading to cancel gigs and loss of income

Add-Ons to Commercial Property Insurance for Bands

  • Business interruption coverage–Provides coverage for lost income and other expenses incurred as a result of a covered loss, such as a fire or natural disaster, that causes your band’s business operations to be temporarily shut down

  • Equipment breakdown coverage–Cover for the cost of repairs or replacement of your band’s equipment due to mechanical or electrical breakdown

  • Spoilage coverage–If your band uses perishable items, such as food or drink items, in your business operations, you may need to add spoilage coverage to your policy to protect against losses due to spoilage or contamination

What is the Difference Between Commercial Property Insurance and General Liability Insurance for Bands?

Commercial property insurance for bands covers the physical assets of a band, including instruments and equipment. General liability insurance, on the other hand, covers bodily injury and property damage caused by the band or its members. Both types of insurance are important for a band to have, but they provide different types of coverage.



Business Owner’s Policy for Bands

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


A business owner’s policy (BOP) is a comprehensive insurance policy that bundles general liability insurance and commercial property insurance together. For bands, a BOP can provide coverage for liability risks and physical assets.


Coverage Limits of Business Owner’s Policy for Bands

Coverage limits for a BOP can vary depending on the specific policy and the needs of the band. However, BOPs are available with limits as low as $300,000/$600,000 and as high as $2 million/$4 million. 


Specific Situations Where This Insurance Can Help:

  • Accidents or injuries that occur during a performance or event

  • Property damage caused by the band or its members

  • Loss of income due to canceled gigs or business interruption

  • Legal fees and defense costs in case of a lawsuit

Add-Ons to Business Owner’s Policy for Bands

  • Cyber liability coverage–This coverage can protect your business from financial losses due to cyber attacks

  • Commercial auto coverage–If you own or lease vehicles for your band’s transportation needs, this endorsement can provide coverage for accidents, theft, or other damages that occur while on the road

Can a BOP Cover Non-musical Events, Such as a Fundraiser or Charity Event?

Yes, a BOP can cover non-musical events as long as they are related to the band’s business activities. It is important to review the policy details and speak with the insurance provider to ensure that all activities are covered.


Music Equipment Insurance for Bands

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Equipment insurance is a type of insurance policy that provides coverage for the physical instruments and equipment used by a music band. This type of insurance policy is crucial for bands that rely on their gear to make a living. Here are some situations where this band instrument insurance can help:

  • Theft or loss of instruments and equipment

  • Damage to instruments and equipment

  • Fire, flood, or natural disasters damaging the instruments and equipment

  • Equipment failure leading to cancel gigs and loss of income

Coverage Limits of Music Equipment Insurance for Bands

Coverage limits for band equipment insurance can vary depending on the specific policy and the needs of the band. Typically, coverage can include protection for theft, damage, loss, and destruction of instruments and equipment. Some policies also offer coverage for loss of income due to equipment failure or damage.

Add-Ons to Music Equipment Insurance for Bands

  • Mysterious disappearance coverage–Offers coverage for the loss of your band’s musical instruments and equipment when the cause of the loss is unknown or unexplained.

  • Flood insurance–If your band’s storage facility is located in an area prone to flooding, you may need to add a flood insurance endorsement to your policy to protect against losses due to flood damage

Does Band Equipment Insurance Cover Rental Equipment?

Some music equipment insurance policies for bands can cover rental equipment, but it is important to check with the insurance provider and ensure that rental equipment is explicitly included in the policy.


Commercial Auto Insurance for Bands

Commercial auto insurance is specifically designed to provide coverage for vehicles used by bands or musicians for their touring or transportation needs. Here are some situations where this band van insurance can help

  • If your band is involved in a collision, commercial auto insurance can cover property damage, bodily injury, and legal expenses

  • In case a band’s vehicle is stolen, commercial auto insurance can provide coverage for the loss

  • If your band’s vehicle is vandalized, commercial auto insurance can provide coverage for the damage

Coverage Limits of Commercial Auto Insurance for Bands

Coverage limits vary depending on the policy and provider. The limit can start from $100,000 commercial auto liability coverage per vehicle, with a recommended minimum of $500,000 up to a maximum of $1 million. 


Does Commercial Auto Insurance Cover Personal Use of the Band Vehicle?

Commercial auto insurance is designed to cover the vehicle when it is used for business purposes only. If the band uses the vehicle for personal use, they may need to obtain a separate personal auto insurance policy. 


Accident Insurance for Bands

Accident insurance for bands can be tailored to provide coverage for specific accidents or injuries that may occur during performances or related activities. Coverage limits and specific situations covered will depend on the terms and conditions of the policy.


Specific Situations Where This Insurance Can Help

  • Injuries sustained during performances or rehearsals

  • Accidents that occur during transportation to and from gigs or events

  • Falls or injuries sustained while setting up or taking down equipment

What Are Some Common Exclusions to Accident Insurance for Bands?

Common exclusions to accident insurance for bands may include injuries sustained while under the influence of drugs or alcohol, self-inflicted injuries, and injuries that occur while engaging in illegal activities.


Workers Compensation Insurance for Bands

Workers’ compensation insurance is a type of insurance that provides benefits to employees who suffer work-related injuries or illnesses. For bands, this insurance can cover the band members in case of accidents, injuries, or illnesses that occur during band-related activities. Costs covered are medical expenses, lost wages, rehabilitation, and death benefits, in case of death. 


Do All States Require Bands to Have Workers’ Compensation Insurance?

Workers’ compensation insurance requirements vary by state, so it’s important to check the state’s laws where the band is located. Some states may exempt bands from workers’ compensation requirements if they have fewer than a certain number of band members.


Band Event Insurance

The insurance provides coverage for claims that may arise as a result of your performance or activities during an event. For instance, if a customer sustains an injury by tripping over your equipment or if you accidentally damage the venue, band insurance can assist in covering the expenses associated with such claims.


Coverage Limits of Band Event Insurance

The coverage limits can vary significantly based on several factors, including the size of the band, the nature of the event, and the insurance company providing the coverage. These factors can influence the maximum amount of financial protection offered by the insurance policy. It’s important for bands to carefully review and compare coverage limits from different insurance providers to ensure they are adequately protected against potential risks and liabilities.

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Band Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $33 $396 $0-$500
Professional liability insurance $35 $420 $500-$1,000
Commercial property insurance $80 $960 $1,000-$2,000
Business owner’s policy $120 $1,440 $500-$2,000
Music equipment insurance $37 $444 $0-$1,000
Commercial auto insurance $50 $600 $1,000-$2,000
Workers compensation insurance $70 $840 $2,500-$5,000


The average band insurance cost is $33 per month or $396 per year for a $1 million general liability policy. Here are some factors that affect the premiums:

  • Type of coverage–Different types of band insurance policies, such as general liability, professional liability, and equipment insurance have varying costs based on their coverage limits and specific risks they protect against

  • Band size and activities–The size of the band and the nature of its activities can impact the insurance cost. Larger bands with more members and extensive touring schedules may face higher premiums due to increased risks

  • Value of equipment–The value of the band’s instruments, sound equipment, and other gear plays a significant role in determining insurance costs. Higher-valued equipment may lead to higher premiums

  • Location–Insurance costs can vary based on the band’s location. Factors such as regional risk profiles, local regulations, and the prevalence of certain hazards or incidents in an area can influence the premiums

In connection, here’s a table showing the cost of a $1 million general liability insurance from companies we recommend:

Cost per Month Cost per Year Best for
NEXT $16 $192 Best overall; Fastest general liability insurance for bands and DJs
The Hartford $19 $228 Comparing band insurance quotes online
CoverWallet $22 $264 Workers compensation insurance for bands
Tivly $24 $288 Comparing band insurance quotes over the phone
Hiscox $26 $312 Customizable policies for bands and music industry professionals
Thimble $29 $348 On-demand coverage for bands

Compare Cheap Band Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Band Insurance Companies

When finding the best band insurance company, there are several factors to consider, such as policy options, pricing, customer service, and reputation. Here are six top band insurance companies to consider:


NEXT Band Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for bands

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT is a great option for bands looking for affordable liability insurance. Policies offered by this company are general liability, commercial property, business owner’s policy, and more. Coverage limits for each kind of business insurance is tailored to the needs of the customer. NEXT grants a 10% to those who buy two or more policies in a bundle. 

Best for: Best overall; Fastest general liability insurance for bands and DJs

Average cost: $16 per month 

Our rating: 10/10


CoverWallet Band Insurance

Pros

  • Offers a variety of insurance types for bands, including general liability, commercial auto, and workers’ compensation.

  • Allows you to manage all of your insurance policies in one place.

  • HNOA coverage automatically included in general liability insurance

Cons

  • Not an insurance company but an insurance broker 

CoverWallet is a top choice for bands that want to customize their insurance coverage. They allow bands to choose the specific coverage limits and deductibles that work for them. Moreover, upon getting insured, a policyholder can easily manage their policies online through the MyCoverWallet dashboard. 

Best for: Comparing band insurance quotes online 

Average cost: $19 per month

Our rating: 10/10


The Hartford Band Insurance

Pros

  • Offers a wide range of insurance types for bands, including general liability, commercial auto, and workers’ compensation.

  • Provides flexible payment options for premiums.

  • Renowned company for workers compensation insurance

Cons

  • Bands with poor risk profiles might need to call an agent to get a quote 

The Hartford is a trusted insurance provider that offers comprehensive coverage for bands. It’s a renowned company for workers compensation insurance and has received many awards for underwriting the policy. 

Best for: Workers compensation insurance for bands

Average cost: $22 per month

Our rating: 10/10


Tivly Band Insurance

Pros

  • Specialty insurance provider with expertise in the music and entertainment industry

  • Coverage options for equipment and property damage

  • A partner of many reputable insurance companies

Cons

  • You need to call to get a quote

Tivly is a specialty insurance provider for the music and entertainment industry. They offer insurance policies for bands and DJs. This company grants coverage regardless of your risk profile. Policies you purchase from Tivly are underwritten by its reputable partners. Call now to compare quotes over the phone. 

Best for: Comparing band insurance quotes over the phone

Average cost: $24 per month

Our rating: 9/10


Hiscox Band Insurance

Pros

  • Tailored policies to meet the unique needs of bands and music industry professionals

  • Customizable coverage options for instruments, equipment, liability, and business interruption

  • Access to risk management resources and tools

Cons

  • May have higher pricing compared to other providers

Hiscox offers customized insurance solutions for businesses, including bands and music industry professionals. Their policies are tailored to meet the unique needs of musicians, with coverage for instruments, equipment, liability, and business interruption.

Best for: Customizable policies for bands and music industry professionals

Average cost: $26 per month

Our rating: 9/10


Thimble Band Insurance

Pros

  • Online quote process is straightforward

  • Up to $500,000 commercial property coverage

  • General liability insurance can be purchased by the hour, day, or week

Cons

  • You can’t reach customer service by calling 

Thimble is an excellent choice for bands that need liability insurance for short-term gigs or events. This company’s general liability insurance is available as hourly, daily, or weekly coverage. Nonetheless, you can purchase general liability insurance as an annual policy that comes with equipment coverage, and cyber liability coverage as add-ons. 

Best for: On-demand coverage for bands

Average cost: $29 per month.

Our rating: 9/10

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