Public Liability Insurance for Musicians: Explained

Making sure artists are protected against the unknown is important – and part of the HMAs’ mission is to offer value to the heavy music community as a whole – so we’re very excited to have partnered with Allianz Musical Insurance as our Official Insurance Partner.

We’ve handed over the stage to Allianz Musical Insurance to explain the public liability insurance for musicians.

When you’re playing a gig, Public Liability Insurance is probably one of the last things on your mind. As it should be, because of course nobody ever wants anything to go wrong.

But what is it all about, and why might you need to think about it?

Public Liability Insurance, also known as third party liability and personal liability, protects you against the cost of a claim if someone is injured, hurts themselves or damages property while you’re playing.

For example, if one of your amps falls off the stage and hit someone, you could be deemed responsible and the injured party could claim against you. Without Public Liability Insurance, you would be expected to pay their medical bills, compensation, and any necessary legal bills – but if you have Public Liability Insurance, your insurer would pay these bills (or partially pay them, depending on your level of cover).

“But it’ll never happen to us.”

No, hopefully it won’t – but regardless of how careful you are, many venues now require bands to have Public Liability Insurance in order to play. If you’ve been booked somewhere and fail to show a valid insurance certificate on arrival, some venues may not let you perform at all.

Even if you only play the occasional gig at small local venues or pubs, it’s always worth checking what their policy is on Public Liability Insurance to avoid a wasted trip.

What you can do to prevent an incident

Make sure you tape down all your cables and leads, and remove anything you don’t need during your set from the stage – extra bits of gear lying around are trip hazards. You should also ensure that your electrical equipment is carefully positioned and PAT tested before you use it.

Don’t balance any gear or equipment on precarious looking surfaces, and if something feels risky or unsafe, tell someone at the venue.

If something does happen…

The claims process will differ depending on who your insurance is with, but it’s generally best to call your insurer as soon as you can after the incident has occurred.

Click here to find out more about Public Liability & Personal Accident cover from Allianz Musical Insurance.

Seven Important Differences Between Home Insurance and Specialist Musical Insurance

Without a shadow of a doubt, the importance of touring and merchandise sales has increased for bands in this post-physical sales world. Protecting your equipment and stock is vital. Helping artists avoid the need for crowdfunding after a theft or road accident is something we feel is incredibly valuable, which is why we are so pleased to have Allianz Musical Insurance on-board as our Official Insurance Partner.

We’ve handed over the stage to Allianz Musical Insurance to explain the seven important differences between home insurance and specialist musical insurance.

Many musicians rely on their home insurance to cover their instruments, and we’re often asked how specialist musical insurance is different.

We know that policy documents are long and often daunting to read, so here’s a quick summary of the key differences between the two.

1. We’ll cover you for unlimited professional use

Whether you’re playing Shepherd’s Bush or your local pub circuit, we’ll cover you. But your home insurance may not. Even for small pub gigs or charity concerts, if money is being changed hands, it’s always worth checking if you’re covered.

2. We’ll cover your instrument for the exact value you tell us

Home insurance policies often have a value limit on personal effects – meaning your gear may not be entirely covered. If you own a large amount of equipment or anything particularly expensive, it’s best to double check how much you’re covered for. We’ll cover anything that you can play, for however much it’s worth.

3. You can cover multiple instruments on your policy from just £33 per year

Adding instruments to your home insurance might increase your premium, but this isn’t the case with our specialist musical insurance. No matter whether you’ve got one guitar or an entire studio filled with gear, we’ll cover you. In a band? Insure your instruments together and you may be eligible for a discount.

4. We’re music experts

Does your home insurer know the difference between a crash and a splash? With over 50 years of experience, we understand your needs as a musician, and know that things often don’t fit neatly into categorised boxes. Unlike home insurance, our insurance is designed with musicians in mind.

5. Our premiums won’t go up after a claim

Claiming on your home insurance might affect your premium or no claims discount, but not with our specialist insurance. And unlike home insurance, if you claim on your policy with us, you won’t have to pay an excess.*

*£100 excess applies for computer equipment.

6. We’ll cover loan instrument hire costs

If you play music for a living, we know that you can’t be without your instrument. That’s why we cover hire costs, so you won’t run into problems if your instrument is off for repair, or if you’re waiting on a replacement to arrive. Home insurance policies are not specifically created for specialist items such as instruments, so you should always check if hire costs are covered.

7. We’ll cover depreciation in value after repair

We understand that after repairs have been carried out, instruments don’t always play or look quite like they used to – that’s why we cover any loss in value after a repair. Your home insurer may cover repairs, but they may not cover depreciation in value afterwards. Every policy is different, so make sure you check what you’re covered for.



Find out more about Allianz Musical Insurance here.

It’s important to remember that most insurance policies will have different terms, conditions and benefit limits. To ensure you have the cover that’s right for you, make sure you understand what you’re covered for and how much you’ll be able to claim before taking out a policy.

Allianz Musical Insurance Announced as Official Insurance Partner for HMA18

Allianz Musical Insurance, part of Allianz Group, the biggest insurance group in the world, is supporting the Heavy Musical Awards 2018.

Allianz Musical Insurance offers cover to musicians for all types of instruments and equipment, and takes the role of Official Insurance Partner at HMA18.

Founded in 1960, Allianz Musical Insurance is the UK’s leading specialist insurer of musical instruments, covering over 70,000 musicians from students to internationally renowned artists.

Allianz Musical Insurance’s specialist claims team works with organisations across the world to help reunite musicians with their lost and stolen instruments, reflecting the company’s dedication to providing excellent service.

Clarice Goff, Senior Marketing Executive, said, “We’re delighted to be partnering with the Heavy Music Awards to support and recognise the best talent in heavy music.

“We strongly believe in the importance of supporting the next generation of musicians and hope that our partnership ensures more musicians can follow their passion and focus on making awesome music.”

Co-Founder of the Heavy Music Awards, Iain Johnson, said: “The involvement of Allianz Musical Insurance underlines the HMAs’ commitment to focusing behind the scenes as well as on stage and we are delighted to have them on-board.”

Find out more about Allianz Musical Insurance at allianzmusic.co.uk or call 0330 100 9903.

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