Music therapy is a holistic treatment that utilizes creative expression just like art therapy. As a music therapist, you work with vulnerable populations and provide a valuable music therapy covered by insurance to those in need. However, accidents can happen, and you want to protect yourself from unforeseen events.
Music therapist insurance can offer peace of mind and financial protection to cover the costs of potential liability claims or damages. You can also use this to cover the cost of replacing musical instruments.
This article will discuss the different types of insurance coverage available for music therapists, the associated costs, and the best insurance companies to consider.
As with any healthcare profession, there are risks involved in providing therapy services. Even with the best intentions and care, accidents can happen. Music therapy Insurance coverage can help protect you from financial losses due to lawsuits, accidents, or other risks.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $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 | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
General liability insurance protects against claims of property damage, bodily injury, or personal injury. This coverage can help you pay for legal fees, court costs, and settlements or judgments.
The cost of general liability insurance for music therapists varies depending on the insurance provider, coverage limits, and other factors. However, you can expect a $1 million-$2 million per occurrence and aggregate limit.
There are many situations where music therapy liability insurance can help. For example, if a client trips and falls in your office, this insurance can help cover their medical expenses and any legal fees associated with the incident.
Professional liability insurance–Shields you from allegations of professional incompetence, mistakes, or failure to perform your duties adequately.
Cyber liability insurance–A type of coverage that can safeguard your business from various cyber risks, including but not limited to data breaches, cyber-attacks, and theft of sensitive information.
The insurance coverage for music therapy may differ from that of other healthcare professions since the practice is distinct. Therefore, conventional healthcare liability insurance policies may not provide full coverage.
| 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 |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Professional liability insurance, or errors and omissions insurance, protects music therapists if clients sue them for negligence, errors, or mistakes in their professional services.
Typically, the cost of professional liability insurance for music therapists ranges from $200 to $500 annually.
This might happen when a therapist gives lousy advice or treatment and fails to assess a client's requirements correctly or neglects to monitor a client during a therapy session adequately.
Sexual abuse and molestation coverage offers protection if accused of sexual abuse or molestation by a client. This will cover the attorney fees, investigation fees, settlements, and court judgments
While your employer's liability insurance may provide some coverage for claims made against you, it may not cover all situations or the full amount of damages. You should check with your employer to see what coverage is provided and consider obtaining your own policy to supplement any gaps in coverage.
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| 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 |
Tools and equipment insurance provides coverage for damage or theft of the tools and equipment used by music therapists in their practice.
Damage or theft of equipment
Business interruption
Accidental damage
Loss during transportation
Natural disasters
Inland marine insurance that protects portable and valuable equipment used by the music therapist, such as musical instruments or electronic devices, while in transit or temporarily stored off-site
Worldwide coverage for the therapist's equipment when traveling outside their home country
Create an inventory of all your equipment
Research the current market value of each item
Consider the cost of replacing the equipment if lost, stolen, or damaged
Consider any upgrades or modifications made to the equipment
Keep track of any receipts or documentation related to your equipment purchases
| 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 |
This type of music therapist insurance can cover a range of scenarios, including damage or loss caused by fire, theft, vandalism, or weather events. Commercial property insurance doesn't cover earthquakes and floods. However, endorsements are available to cover this gap.
Water damage–If a pipe bursts or flooding in the music therapist's office or building, Commercial Property Insurance can help cover the cost of repairing or replacing any damaged property
Natural disasters–If the music therapist's office or building is damaged or destroyed by a natural disaster, such as a hurricane or tornado, commercial property insurance can help cover the cost of repairs or rebuilding
Vandalism–If the music therapist's property is damaged by vandalism, such as broken windows or graffiti, commercial property insurance can help cover the cost of repairs
This insurance does not cover damage or loss caused by cyber attacks or data breaches. However, some insurance companies offer additional cyber liability insurance, which can cover expenses related to hacking, phishing, identity theft, and other covered perils.
| 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 |
Business owner's policy (BOP) combines multiple insurance coverages into one package. This package policy usually includes general liability, commercial property, and business interruption insurance. BOPs are often designed for small to mid-sized businesses, including music therapists.
Advertising injury–If the music therapist's advertising or marketing materials infringe on someone else's intellectual property rights, the Advertising Injury coverage in a BOP can help cover the cost of legal fees, settlements, or judgments
Loss of essential documents–If the music therapist loses important documents, such as client or financial records, the property insurance coverage in a BOP can help cover the cost of reproducing the lost documents
Bodily injuries–BOP can be used to cover claims for third-party bodily injuries
Property damage–BOP can cover the cost of reconstruction or repair of the office gets damaged or destroyed by fire, theft, vandalism, and other covered perils
Crime insurance–This coverage can protect against theft, embezzlement, or other criminal activities committed by employees or others against the music therapist's business
Employment practices liability insurance (EPLI)–This coverage can protect against claims of discrimination, wrongful termination, harassment, or other employment-related issues brought by employees or former employees
Customizing a BOP for music therapists to meet specific coverage needs is possible. Depending on the insurance provider, there may be options to add or remove certain coverages, adjust coverage limits, and tailor the policy to the unique needs of the music therapy business.
Is a type of music therapy insurance coverage that protects vehicles used for business purposes. It covers the cost of damage to vehicles involved in accidents, theft, and damage to third-party property or injury to third-party individuals.
Liability coverage–This coverage pays for damage caused by the insured driver to other people's property and injuries to others involved in the accident. It also covers legal costs if the driver is sued
Collision coverage–This coverage pays for damage to the insured vehicle caused by a collision with another vehicle or object
Comprehensive coverage–This coverage pays for damages to the insured vehicle caused by events other than collisions, such as theft, vandalism, or weather
Uninsured and underinsured motorist coverage–This coverage pays for damages caused by an uninsured or underinsured driver
Commercial auto insurance is a policy designed to provide coverage for vehicles primarily used for business purposes not those vehicles mainly used for personal errands.
This type of music therapist insurance provides additional coverage beyond the limits of a primary liability insurance policy. It is designed to provide music therapists with an added layer of protection against lawsuits.
Excess liability or umbrella insurance usually doesn't cover claims from past clients or incidents before the policy was purchased. This type of insurance offers extra coverage on top of the primary policy's limits and is usually limited to claims that arise during the policy period.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $33 | $396 | $0-$500 |
| Professional liability insurance | $42 | $504 | $1,000-$2,000 |
| Excess liability insurance | $43 | $516 | $1,000-$2,000 |
| Commercial property insurance | $67 | $804 | $1,000-$2,000 |
| Business owner's policy | $125 | $1,500 | $1,500 |
| Tools and equipment insurance | $46 | $552 | $500-$1,000 |
| Commercial auto insurance | $50 | $600 | $500-$1,000 |
Premiums are $33 per month or $396 per year for a $1 million general liability insurance. The cost of insurance for music therapists can differ depending on several factors, including the type of coverage, the level of coverage, the insurer, and the therapist's location and experience. Here's an example of a table that shows the estimated cost of music therapist insurance based on the rates of companies we recommend:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $21 | $252 | Best overall; Fastest general liability insurance for music therapists |
| CoverWallet | $23 | $276 | Comparing music therapist insurance quotes online |
| The Hartford | $25 | $300 | Music therapists with poor claims history |
| Tivly | $28 | $336 | Comparing music therapist insurance quotes over the phone |
| Thimble | $30 | $360 | Freelance music therapists |
| Hiscox | $31 | $372 | Self-employed professionals |
Get all the best quotes from leading providers in a click of a button!
Choosing a reputable insurance company that provides comprehensive coverage at an affordable cost is essential. Here are some of the best music therapist insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance:
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for music therapists
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT is a company that provides business insurance for various industries, including healthcare. They offer customized insurance solutions for music therapists too.
Best for: Best overall; Fastest general liability insurance for music therapists
Average cost: $21 per month
Our rating: 10/10
They partner with several insurance carriers, providing a range of options for customers
Customers can easily manage their policies through the company's online platform
There are no concealed fees or costs involved
Not an insurance company but an insurance broker
CoverWallet is an online insurance broker offering business insurance for various industries, including healthcare. They provide music therapy liability insurance for music therapists and other types of insurance.
Best for: Comparing music therapist insurance quotes online
Average cost: $23 per month
Our rating: 10/10
Fast claims process
High coverage limits upon your request
One of the best companies for workers' compensation insurance
You need to call an agent to avail high policy limits
The Hartford covers music therapists with poor claims history. Coverage options are general liability, professional liability, commercial property, workers' compensation, and more. Policy limits can be tailored to your needs. Nonetheless, note that higher coverage amounts are only available if you talk with an agent.
Best for: Music therapists with a poor claims history
Average cost: $31 per month
Our rating: 10/10
Create your music therapist insurance coverage program to your specific needs and requirements from the beginning
You can compare insurance quotes for music therapists over the phone
Can connect you with partner companies that can provide insurance options that meet your needs
They do not provide an instant insurance quote through their website
Tivly is an insurance company that offers music therapists the ability to create their insurance program from scratch, tailored to their specific needs and requirements. Call now to compare quotes over the phone.
Best for: Comparing music therapist insurance quotes over the phone
Average cost: $28 per month
Our rating: 8/10
It is usually possible to cancel an insurance policy and receive a refund
Provide ACORD 25 certificate of insurance
The company has an easy-to-use mobile app for managing policies
It is not possible to contact customer service by phone
Thimble provides on-demand insurance coverage for various industries, including healthcare. They offer music therapy liability insurance on a per-project or monthly basis.
Best for: Freelance music therapists
Average cost: $30 per month
Our rating: 7/10
Policyholders who purchase two or more policies together can qualify for a discount of up to 5%
They offer a refund available within 14 days of purchase
An experienced team specializing in music therapist insurance
Hiscox might not provide complete insurance coverage for consulting professionals
Hiscox, established in 1901, is most recognized for its coverage of employers' liability insurance and professional indemnity insurance.
Best for: Self-employed professionals
Average cost: $31 per month
Our rating: 7/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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