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Music Therapist Insurance: Cost & Quotes From $15/mo

Table of contents
1. Do Music Therapists Need Insurance?2. General Liability Insurance for Music Therapists2.1. Coverage limits of General Liability Insurance for Music Therapists2.2. Situations Where This Insurance Can Help Music Therapists2.3. Add-Ons to General Liability Insurance for Music Therapists2.4. Does Insurance Coverage for Music Therapy Differ from That of Other Healthcare Professions?3. Professional Liability Insurance for Music Therapists3.1. Coverage Limits of Professional Liability Insurance for Music Therapists3.2. Situations Where Professional Liability Insurance Can Help Music Therapists3.3. Add-Ons to Professional Liability Insurance for Music Therapists3.4. Do I Need Professional Liability Insurance if I Work for a Company or Organization With Liability Coverage?4. Tools and Equipment Insurance for Music Therapists4.1. Situations Where Tools and Equipment Insurance Can Help Music Therapists4.2. Add-Ons to Tools and Equipment Insurance for Music Therapists4.3. How Do I Determine the Value of My Equipment for Insurance Purposes?5. Commercial Property Insurance for Music Therapists5.1. Situations Where Commercial Property Insurance Can Help Music Therapists5.2. Can Commercial Property Insurance for Music Therapists Cover Damage or Loss Caused by Cyber Attacks or Data Breaches?6. Business Owner’s Policy for Music Therapists6.1. A BOP for Music Therapists Can Help in Situations Such As6.2. Add-Ons to BOP for Music Therapists6.3. Can a BOP Be Customized for Music Therapists to Meet Specific Coverage Needs?7. Commercial Auto Insurance for Music Therapists7.1. Coverage Limits of Commercial Auto Insurance for Music Therapists 7.2. Does Commercial Auto Insurance Cover the Personal Use of the Vehicle?8. Excess Liability Insurance for Music Therapists8.1. Can Excess Liability Insurance Cover Claims From Past Clients or Incidents Before the Policy Was Purchased?9. Music Therapist Insurance Cost10. Best Music Therapist Insurance Companies10.1. NEXT Music Therapist Insurance 10.1.1. Pros10.1.2. Cons10.2. CoverWallet Music Therapist Insurance 10.2.1. Pros10.2.2. Cons10.3. The Hartford Music Therapist Insurance 10.3.1. Pros10.3.2. Cons10.4. Tivly Music Therapist Insurance 10.4.1. Pros10.4.2. Cons10.5. Thimble Music Therapist Insurance 10.5.1. Pros10.5.2. Cons10.6. Hiscox Music Therapist Insurance 10.6.1. Pros10.6.2. Cons

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.

Do Music Therapists Need Insurance?

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.


General Liability Insurance for Music Therapists


CoverWallet NEXT (Best)ThimbleHiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
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.


Coverage limits of General Liability Insurance for Music Therapists

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. 


Situations Where This Insurance Can Help Music Therapists

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.


Add-Ons to General Liability Insurance for Music Therapists

  • 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.


Does Insurance Coverage for Music Therapy Differ from That of Other Healthcare Professions?

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.


Professional Liability Insurance for Music Therapists



CoverWallet NEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan 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.


Coverage Limits of Professional Liability Insurance for Music Therapists

Typically, the cost of professional liability insurance for music therapists ranges from $200 to $500 annually.


Situations Where Professional Liability Insurance Can Help Music Therapists

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.


Add-Ons to Professional Liability Insurance for Music Therapists

  • 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


Do I Need Professional Liability Insurance if I Work for a Company or Organization With Liability Coverage?

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.

Compare Cheap Music Therapist Insurance Quotes Online

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Tools and Equipment Insurance for Music Therapists


NEXT ThimbleHiscoxThe 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/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
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. 


Situations Where Tools and Equipment Insurance Can Help Music Therapists

  • Damage or theft of equipment

  • Business interruption

  • Accidental damage

  • Loss during transportation

  • Natural disasters


Add-Ons to Tools and Equipment Insurance for Music Therapists

  • 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


How Do I Determine the Value of My Equipment for Insurance Purposes?

  • 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



Commercial Property Insurance for Music Therapists


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


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. 


Situations Where Commercial Property Insurance Can Help Music Therapists

  • 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


Can Commercial Property Insurance for Music Therapists Cover Damage or Loss Caused by Cyber Attacks or Data Breaches?

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. 


Business Owner’s Policy for Music Therapists


CoverWalletThimble (Best)NEXT HiscoxThe 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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


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.


A BOP for Music Therapists Can Help in Situations Such As

  • 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


Add-Ons to BOP for Music Therapists

  • 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


Can a BOP Be Customized for Music Therapists to Meet Specific Coverage Needs?

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. 


Commercial Auto Insurance for Music Therapists

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.


Coverage Limits of Commercial Auto Insurance for Music Therapists 

  • 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


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

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. 


Excess Liability Insurance for Music Therapists

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. 


Can Excess Liability Insurance Cover Claims From Past Clients or Incidents Before the Policy Was Purchased?

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.

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Music Therapist Insurance Cost


Cost per MonthCost per YearDeductible
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 MonthCost per YearBest for
NEXT$21$252Best overall; Fastest general liability insurance for music therapists
CoverWallet$23$276Comparing music therapist insurance quotes online
The Hartford$25$300Music therapists with poor claims history
Tivly$28$336Comparing music therapist insurance quotes over the phone
Thimble$30$360Freelance music therapists
Hiscox$31$372Self-employed professionals




Compare Cheap Music Therapist Insurance Quotes Online

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

Best Music Therapist Insurance Companies

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:


NEXT Music Therapist Insurance

Pros

  • 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 

Cons

  • 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


CoverWallet Music Therapist Insurance

Pros

  • 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

Cons

  • 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


The Hartford Music Therapist Insurance

Pros

  • Fast claims process

  • High coverage limits upon your request

  • One of the best companies for workers' compensation insurance

Cons

  • 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


Tivly Music Therapist Insurance

Pros

  • 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

Cons

  • 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



Thimble Music Therapist Insurance

Pros

  • 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

Cons

  • 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


Hiscox Music Therapist Insurance

Pros

  • 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

Cons

  • 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


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