Public Liability Insurance for Musicians, Bands, Venues and Studios

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If you have a business where the public visit your premises on a regular basis, you will most likely need a public liability insurance policy to cover you against things like personal injury. Recording studios, theatres and music venues need public liability insurance.

We have been insuring musicians and the music industry in this area since 1971. So you can be sure that we can help you find a policy that covers your business perfectly at rates that make sense. Contact us today or fill out this short form and we will get back to you with more information, a friendly chat about your needs and a quote for your public liability insurance.

  • Worldwide, UK or premises only cover (Instruments policy)
  • Optional Public Liability
  • Cover for damage of instruments in transit
  • Unlimited professional use of instruments (instrument policy)
  • Cover against theft, fire, accidental damage or loss
  • No excess! (Instruments policy)
  • Cover for depreciation as a result of damage (Instrument policy only)
  • FREE monthly installments (0% interest) (Instruments policy)
  • Unattended vehicle cover (Motor policy)
  • New for old, if needed (Instrument policy only)

VCK Insures:

We get great rates on the following policies for musicians:


FAQ's on our various policies

WHAT DOES THE MUSICAL INSTRUMENT POLICY COVER?

Worldwide, UK or Premises Only (Premises Only could be at a Domestic Residence, Studio built in the grounds of same, Studio located in a Commercial Building etc.).

IS UNATTENDED VEHICLE COVER AVAILABLE?

Yes providing all items are kept from view, with all the vehicle’s security systems activated and all doors, windows and sunroofs closed or, stored within the vehicles concealed compartment, locked boot or other concealed internal compartment of the vehicle, items must be placed in one of these areas when left unattended – please refer to full details in the policy wording.

WHAT IS THE MUSICAL INSTRUMENT POLICY EXCESS?

Nil excess applies to musical equipment but a £100 policy excess applies to computer equipment (used in connection with your music).

CAN THE POLICY BE IN MORE THAN ONE NAME?

Yes Full details required.

CAN THE POLICY BE IN A LIMITED COMPANY NAME?

Yes Full details required.

WILL THE MUSICAL INSTRUMENT POLICY COVER ACCIDENTAL DAMAGE?

Cover against theft, fire, accidental damage or loss within territorial limits.

IS A DIRECT DEBIT FACILITY AVAILABLE?

Yes over 12 monthly payments or a one off payment with no added interest.

WHO UNDERWRITES THE POLICY?

Allianz Musical Insurance


Read our Policy information notes for more details