Brass Bands England - Insurance

Your Making Music membership includes access to our superb insurance packages, provided by Making Music Insurance Services (MMIS), underwritten by Royal & Sun Alliance (RSA).

Exclusive Brass Package

As part of our partnership with Brass Bands England you have exclusive access to our new 'Brass' package, developed with MMIS and designed to suit the insurance requirements of brass bands. Or if you prefer you can take out one of our Bronze, Silver or Gold packages instead, available at the cheapest premiums for Brass Band England members. 

Get cover and save money 

Even if you add them together, your MM/BBE membership and our insurance premium usually costs less than the price of a comparable insurance policy elsewhere - and that's before you have even take into account all the other fantastic services we provide!

Insurance - protection where you need it

Our packages are tailor made for leisure-time music groups and provide a comprehensive range of covers including public and employers’ liability, trustee indemnity, event cancellation, property and money.
The packages cover your rehearsals and events and protect your trustees, members and the general public against adverse incidents that arise from your activities and for which your organisation is found liable.

Policy dates

All our insurance packages run from 1 January to 31 December each year. So if you take out a policy today it will run from today until 31 December this year. 

Premiums 

  • Our Bronze, Silver and Gold packages have two prices; one if your turnover is under £21K and one if your turnover is between £21K and £100K.
  • Our Brass package has a fixed price for any group with a turnover under £100K.
  • If your income is over £100k then you will need a custom policy. Contact MMIS to find out more – just say you are part of Brass Band England. 

Pro-rating 

Members of Brass Bands England can access quarterly pro-rated premiums throughout 2019. As we are still in the first quarter of the year if you buy a policy today it wlll be at the full year rate and last until 31 Dec 2019. From 1 April it will be 75% of the full year cost. 

Exclusive Brass policy 

 
Income
Up to £21,000 £21,001 - £100,000
  • Public and Products Liability £10m (including charity trustee indemnity £100k)
  • Employers Liability £10m
  • Money £3,000
  • "All Risks" Property up to £125,000 with a single item limit of £10K (including property borrowed or temporarily hired in)
  • Cancellation/Abandonment £10,000 any one claim or period of insurance

Full year price: £620.00

 

Full year price: £620.00

 

The above premiums shown are annual premiums including Insurance Premium Tax. 

Bronze Silver and Gold packages 

If the Brass Policy is more cover than you need then you can also access our standard Bronze, Silver and Gold packages 

 
Income
Up to £21,000 £21,001 - £100,000
Bronze
 
  • Public and Products Liability £5m (including charity trustee indemnity £100k)
  • Employers Liability £10m
  • Money £2,000

 

 

Full year price: £43.00

 

 

Full year price: £69.00

 

Silver
 
  • Public and Products Liability £5m (including charity trustee indemnity £100k)
  • Employers Liability £10m
  • Money £2,000
  • "All Risks" Property up to £20,000 with a single item limit of £5K (including property borrowed or temporarily hired in)
  • Cancellation/Abandonment £2,500 any one claim or period of insurance

Full year price: £91.00

 

Full year price: £132.00

 

Gold
 
  • Public and Products Liability £5m (including charity trustee indemnity £100k)
  • Employers Liability £10m
  • Money £3,000
  • "All Risks" Property up to £50,000 with a single item limit of £5K (including property borrowed or temporarily hired in)
  • Cancellation/Abandonment £10,000 any one claim or period of insurance

Full year price: £175.00

 

Full year price: £248.00

 

The above premiums shown are annual premiums including Insurance Premium Tax. 

Custom Cover

If you group's turnover is above £100,000 a year or you require alternative covers not included (such as buildings ) contact MMIS who can arrange suitable cover at competitive rates. 

Please note that your insurance documents (ie: policy schedule, certificate of employers liability, policy summary, full summary and terms of business) will be downloadable from your Dashboard on this website once you have registered and logged in.

Below is a summary of what each part of the cover does. A Policy Summary document and the Full Terms and Conditions are also available.

1.  Public liability

Brass: Public liability insurance of £10 million for any one event provides cover for bodily injury to third parties, for which the group is legally liable.

Bronze, Silver, Gold: Public liability insurance of £5 million for any one event provides cover for bodily injury to third parties, for which the group is legally liable.

2.  Employers’ liability

Employers’ liability insurance, with a limit of indemnity of £10 million in any one occurrence, provides cover for bodily injuries to volunteers and employees for which the group is legally liable. Whilst not a legal requirement, this conforms to best practice advice given by the Charity Commission to consider volunteers as employees.

It is usual for authorised volunteers acting for a group to be regarded as employees for the purposes of insurance; this is because society increasingly regards volunteers in the same light as employees. For example, the Health & Safety Executive now regards volunteers as employees, and persons who make use of volunteers as employers. The same level of training, information and advice must be given to both employees and volunteers.

3.  Products liability

Brass: Products liability insurance of £10 million in any one period of insurance covers the member organisation for accidental bodily injury to third parties or damage to their property caused by goods sold or supplied

Bronze, Silver and Gold: Products liability insurance of £5 million in any one period of insurance covers the member organisation for accidental bodily injury to third parties or damage to their property caused by goods sold or supplied.

4.  Charity Trustee Insurance

Charity trustee insurance of £100,000 in any one period of insurance and provides cover for wrongful (but not deliberate or wilful) acts committed by a trustee. Cover is also provided if a charity-related document is lost or damaged. 

5.  Money insurance

Money insurance provides cover for losses in certain cases. Some examples are:

  • non-negotiable money such as crossed cheques, money orders and vouchers
  • while locked safe at the insured’s premises or the home of an authorised person from the member organisation
  • money in collection tins and envelopes
  • money in transit

Further details about this can be found on page 4 of the ‘Policy Summary’ document provided by Making Music Insurance Services.

6.  Property insurance

Member groups who choose the 'Brass', ‘Silver’ or ‘Gold’ options also have cover for general property such as equipment, risers, music libraries, group owned instruments etc.

Please note
Property cover is only applicable for property belonging to or lent to or hired under a contract of hire to the group. Items owned by private individuals need to be insured by those individuals.

7.  Cancellation & Abandonment insurance

Member groups choosing the 'Brass', ‘Silver’ or ‘Gold’ options also have cover for the cancellation or abandonment of concerts, workshops and conferences (see the Policy Summary for clarification). Cover is in respect of the out of pocket expenses that cannot be recovered if the event is cancelled or abandoned or additional expenses incurred up to the cost of cancelling the performance where a performance is postponed or substitute artists are engaged in order to prevent cancellation of the performance.

Please note: This does not include any event that is cancelled due to lack of support or poor weather, unless on the grounds of safety.

Additional insurance cover

In addition to the main insurance package as stated above, groups are able to purchase optional insurance cover at additional rates. Please note that you need to have the main policy in place in order to purchase additional covers.

1.  Increased Public Liability cover

Bronze, Silver and Gold packages include Public Liability to £5 million for any one event.  If you wish to increase Public Liability to £10 million please contact Making Music Insurance Services. The Brass package has Public Liability to £10 million as standard. 

2.  Buildings insurance

Making Music Insurance Services can also quote for cover required for buildings. Please contact MMIS directly so that we can gather information from you for quotation purposes.

3.  Other cover

Making Music Insurance Services is able to arrange various personal and commercial insurances. Please contact MMIS directly. 

Further Information

Further information about additional insurance covers can be found in the ‘Policy Summary’ document, or by contacting us

Note on insurance renewals

Renewal of existing policies will normally be carried out by Making Music Insurance Services at the same time as renewing your membership of Making Music.

  • Making Music will notify you by email when your renewal is due. To renew, complete our online renewal form. You can either pay online by credit or debit card or elect to pay later and send cheque or BACS. 
  • Custom policies: if you have a custom policy Making Music Insurance Services will contact you with a renewal premium before you complete your renewal and payment.
  • If you wish to upgrade a standard insurance package (Bronze, Silver, Gold or Brass) during the year please contact Making Music.
  • If you wish to upgrade to a custom policy or take out a temporary policy during the year please contact Making Music Insurance Services to receive your quote. Payment should then be made to the Making Music.

Contact us

Making Music Insurance Services (MMIS)
Telephone: 01482 388 611
Email: makingmusic@jelfgroup.com
Contact MMIS if you have any further questions or to receive a quote for additional insurance requirements.

Making Music office
Telephone: 020 7939 6030
Email: info@makingmusic.org.uk
Contact Making Music to make payment or for help downloading your group’s insurance documents.


We hope you find this Making Music resource useful. If you have any comments or suggestions about the guidance please contact us. Whilst every effort is made to ensure that the content of this guidance is accurate and up to date, Making Music do not warrant, nor accept any liability or responsibility for the completeness or accuracy of the content, or for any loss which may arise from reliance on the information contained in it.