Whether you’re performing at private events, corporate events, concerts, or local venues, you put time, energy, and talent into every performance. With musician insurance from Berxi, you can help protect your business and the instruments and equipment you rely on with flexible coverage designed for the way you work.
Musician insurance is coverage designed to help protect you financially and legally from common risks you may face while performing, traveling, teaching, or running your music business. It typically includes:
The reality is that a single accident, claim, or equipment loss could cost far more than what you’d pay for musician insurance in a year. With the right coverage in place, you can spend less time worrying about unexpected setbacks and more time focusing on your performances, your clients, and your career.
As a musician, you’re often performing in public venues, transporting valuable instruments and equipment, and working at events where accidents can happen unexpectedly. Even a minor incident or equipment issue can lead to costly expenses.
That’s where musician insurance can help. General liability insurance can provide legal and financial protection if someone gets hurt at a performance or you accidentally damage someone else’s property, while business personal property coverage can help safeguard the instruments and equipment you depend on to keep performing.
Berxi’s customized musician insurance is designed to help protect you from the real-world risks you face on the job, from third-party bodily injuries and property damage to broken equipment and lawsuits.
General liability insurance helps cover claims of third-party bodily injury and property damage related to your work as a musician, as well as personal and advertising injury, including things like libel, slander, and copyright infringement in your advertising.
Your general liability insurance can help pay for medical bills if someone gets hurt, replace or repair other people’s damaged property, and cover legal defense costs and damages in the event of a lawsuit.
Examples include:
You can also add optional business personal property (BPP) coverage to your Berxi general liability policy to help repair or replace your equipment if it’s damaged. This can include musical instruments, amplifiers, speakers, microphones, sound equipment, laptops, recording equipment, and other gear you use for performances. BPP coverage can help you recover financially from unexpected setbacks and get back to performing quickly.
Examples include:
Berxi’s musician liability insurance policies are built with you and your business in mind. Key benefits include:
If an audience member, client, or venue guest is injured at a concert or event — for instance, by tripping on a speaker cable or getting hit by a falling speaker — your general liability policy can help cover their medical bills and pay for any related legal costs and damages.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as privacy invasion and copyright infringement in your advertising.
If you are sued for a general liability claim (like bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you and cover any damages or settlement costs you may be required to pay.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your music business will be protected from general liability claims resulting from employee action. For instance, if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional add-on, which can help pay for damage or loss of your instruments, computers, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can choose to add workers’ compensation and cyber liability coverage from one of our trusted partners by speaking with our in-house customer support team.
Berxi’s general liability insurance for musicians starts at $350/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your general liability policy. The BPP coverage add-on starts at $115/year.
Because we have no hidden costs or interest fees, musicians who choose Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for musician insurance is to get a quote.
With a financial strength rating of A++ from AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15% vs. industry standards.
You can visit our website to get a quote, buy a policy, download your certificate of insurance, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, answer a few quick questions about your work. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your instruments and equipment if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase your policy.
Step 5: Access your policy 24/7 to download proof of insurance, update your information, or file claims — right from your phone or computer.
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
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Che H.
“The best service one can ask for, provided without hesitation.”
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Giselle G.
“The quoting process was easy, and the price is better than anywhere I’ve found!”
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Jeremy B.
Even if music is a side business or occasional gig, you can still face the same risks as a full-time musician. A single accident, injury claim, or equipment loss could be costly, which is why many part-time musicians choose to carry insurance for added peace of mind. Plus, with Berxi musician insurance starting at just $29/month, the cost of comprehensive protection is minimal compared to a lawsuit or claim.
You can add optional business personal property (BPP) coverage to your Berxi general liability insurance policy to protect your instruments, gear, and other business assets. BPP coverage can help repair or replace your equipment if it’s damaged. Note that BPP coverage generally doesn’t apply to normal wear and tear.
General liability insurance and professional liability insurance protect against different types of risks. General liability insurance helps cover claims that you caused bodily injury, property damage, or personal and advertising injury to a third party. For example, it may help if an audience member trips over your equipment during a performance or if you accidentally damage a venue’s property.
Professional liability insurance, on the other hand, helps protect you if a client claims your professional services caused them financial harm or failed to meet expectations. For example, it may help cover legal defense costs if you’re accused of negligence, making a significant performance error, or failing to fulfill your contractual obligations for an event.
You can get your certificate of insurance as soon as you’re covered. As soon as your coverage is active, you can sign in to your Berxi account and instantly download your certificate of insurance. Alternatively, one of our in-house product specialists can email you the certificate.
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