Public liability insurance for musicians and music groups

Public liability insurance is essential for any music group or musician who performs or rehearses in public spaces. Making Music offers specialised public liability coverage tailored for music groups, such as choirs, bands and orchestras, providing the protection you need to focus on your music.

What is public liability insurance?

Public liability insurance protects you and your group against claims if someone is injured, or their property is damaged during your rehearsals, performances, or events. It covers legal expenses, compensation payments, and any associated costs that could arise from these incidents.

Having this coverage in place is essential if you perform in public spaces or hire venues, as many venues require public liability insurance as a condition for booking.

Why does your group need public liability insurance?

Music groups and performers are often exposed to various risks when interacting with the public, which can include:

• Accidental injuries: Accidents can happen, and if a member of the audience or venue staff is injured, you could be held liable.
• Damage to property: Instruments, sound equipment, and other items can sometimes cause accidental damage to a venue’s property or someone else's belongings.
• Required by venues: Many performance and rehearsal spaces require proof of public liability insurance before allowing musicians or groups to perform on their premises.

Public liability insurance gives you peace of mind, knowing that your group is protected financially and legally in the event of an unforeseen incident.

Why choose insurance from Making Music?

Making Music’s public liability insurance is specifically designed for musicians and music groups, offering affordable, reliable coverage with benefits that meet your unique needs:

• Tailored for musicians: Our insurance is customised for the requirements of music groups, choirs, and performers, ensuring you’re covered for the specific risks you face.
• Exclusive member rates: As a non-profit organisation dedicated to supporting music in communities, we provide our members with cost-effective insurance options.
• Wide coverage: With policies covering up to £5 million, you can feel secure performing, rehearsing, and hosting events, knowing that you have substantial financial protection.
• Member to member cover: Our insurance covers members of your group, not just the group itself. If a member causes some damage whilst taking part in your group activities the group, you have cover in place. 

How to apply

Joining Making Music gives you immediate access to our public liability insurance. Simply join as a member, and our team will guide you through the application process, ensuring your group gets the coverage it needs.

Please make sure you read your policy documentation to ensure you are familiar with the full policy terms and conditions.

FAQs

Do I need public liability insurance if my group is small?

Yes, regardless of group size, any performance or rehearsal involving the public could involve risks that public liability insurance covers.

What does the policy cover?

Our policy covers legal fees, compensation payments, and related costs if a claim is made against you due to injury or property damage during a group activity.

How much coverage do I need?

Most venues require a minimum of £5 million in public liability coverage; our policies can cover up to £5 million as standard, and you can increase to £10m if you need to. 

Read our full list of FAQs.  

Visit our main membership and insurance page and read more about our insurance packages.