INSURING EVENTS FOROVER15YEARS!
Public liability insurance for bands
Are you fully rehearsed? Is every guitar in tune? Have you gaffer taped up the drum sticks? There’s a lot to worry about before setting out on to that nerve-wracking stage. However, the last thing you need is to be worrying about is insurance claims. Let us take that burden off your shoulders. We can provide tailor-made public liability insurance for bands.
Why could I be sued?
Simply put, a venue cannot be responsible for your potential negligence. If you have damaged property in the midst of your routine, the blame falls squarely on the band.
Imagine performing a high energy number and the strap breaks on a guitar sending it hurtling into the adoring crowd. You could be looking at hefty compensation fees.
Without public liability insurance, that compensation would need to come out of your pockets.
Additionally, the chances are that the venue will require you to have event insurance in place before they even allow you to play.
COVERS
What does band insurance cover?
Band insurance can combine several types of cover depending on the risks you want to insure. The main options are public liability insurance, employers’ liability insurance, band equipment insurance and cancellation cover.
Public liability insurance
Can cover your legal liability if a member of the public is injured or third-party property is damaged in connection with your band’s activities.
We can arrange cover from £1 million to £10 million, with higher limits available where needed or where required by contract. Venues and event organisers may require bands to provide evidence of public liability insurance before allowing your band to perform.
Employers’ liability insurance
Can cover your legal liability if an employee is injured or becomes ill as a result of their work for the band.
When arranging cover, tell us about everyone working for the band, including permanent and temporary employees, technicians, road crew, assistants, casual workers, volunteers and unpaid helpers, and anyone working under your direction or control.
Band equipment insurance
Can cover musical instruments and other band equipment you own, hire or lease against insured risks such as accidental damage, loss or theft. This might include guitars, keyboards, drums, amplifiers, speakers, mixing equipment, microphones, lighting equipment, stands, cables and other equipment used by the band.
Cancellation cover
Can cover certain irrecoverable costs and expenses or loss of income if an insured booking or event is cancelled, postponed, interrupted or abandoned for an insured reason.
Adverse weather cover can also be included if required.
How much does band insurance cost?
What is this price based on?
This is an actual quotation arranged through David J Miller Insurance Brokers and underwritten by Bspoke Underwriting Ltd on behalf of Accelerant Insurance UK Limited dated 19 October 2026. Your premium will be calculated based on the details of your event and the cover you choose, so the price you receive may be higher than the example shown.
Factors that can affect the premium include the public liability limit of indemnity and the duration of the event. Adding employers’ liability, event equipment or cancellation cover can also increase the premium.
How to get an event insurance quote
You can call us, complete our online form, or ask us to call you back. Choose whichever option suits you best.
Find out how to contact us, what information we will need and what to expect when requesting a quote.
Why choose Event Insurance Direct?
Specialist event insurance with direct support from a UK-based team
Why Choose Us