Performing is a big part of any musician’s life, whether you’re showing a student how to master their instrument, playing at your local club, or entertaining fans at a festival.

While playing for others is an experience like no other, it’s not without risk. Risk to the people you’re performing for. Risk for the people performing on stage with you. Risk to the stage you’re playing on. Risk to the equipment and venue around you.

No matter how careful we are, we’re only human – things go wrong. And if they do, it’s reassuring to know that it won’t be costly for you and/or your band. That’s why public liability insurance can be a great investment for any musician who gigs, tours or teaches.

You and your band are playing a gig at one of your local venues. Everything’s going great, and then some of your equipment on stage accidentally falls and injures someone in the audience. You could now possibly face the prospect of a claim against you.

That’s just one way crowd members can be (and have been) hurt during a performance by a musician or band’s accidents. Trips over loose cables, falling props, equipment malfunctions – all inadvertent mistakes that have the potential to cause injury.

Even for music teachers, mishaps like a student’s fingers being caught while closing a piano lid are a genuine possibility.

So injuries are a very real concern, no matter what you do to make things as safe as possible. If they happen during your performances, lessons or other situations, you could be on the receiving end of some expensive treatment bills.

Public liability insurance gives you coverage for injuries to audience members. This means that if someone is accidentally hurt as a result of your actions during a show and makes a claim, your insurance helps you stay protected financially.

Imagine rehearsing hours and hours for an upcoming show. Investing in new musical equipment. Perfecting your set list and outfits. Only to then be told by the organisers that you can no longer play there.

The reason? You don’t meet the venue’s insurance requirements.

Even though it is not a legal requirement, many large event organisers expect you to show evidence of public liability insurance before you can perform in their venues. It makes sense – they have a duty of care to you, the audience and the venue, and want to know they are protected if anything goes wrong.

This means that if you’re ready to take your performances to the next level, you may find yourself hitting a barrier without the right cover.

Buying public liability insurance could help keep all doors open to you, so you can pursue your musical ambitions with total reassurance.

Allianz Musical Insurance has been serving musicians across the UK since 1960. Today, we insure over 70,000 musicians of all backgrounds and experience levels, and as the oldest specialist insurance provider, we have an unmatched understanding of what’s required for your needs and lifestyle.

Live performers, recording artists, producers, teachers – no matter how you use your musical gifts, we can help you protect your livelihood in all eventualities.

Our Public Liability Insurance for Musicians gives you:

• 4 distinct coverage levels, from £1m up to £10m
• Policy options for both solo artists and bands
• Flexible pricing based on how often you perform and number of band members
• The backing of an expert team with over 60 years of experience
  

Plus you can either buy our Public Liability Insurance alone, or combine it with our complete ‘Music Protect Product’, which includes Musical Instrument and Equipment Insurance. We can also offer Personal Accident Insurance for Performers, giving you a financial cushion if you or a member of your band is unable to perform following an accidental injury.