If you organise events or rehearsals you will almost certainly need public liability insurance to protect your members and the general public.
(Photo © Sam Reed Photography)
Membership of Making Music offers you access to a superb insurance package provided by Making Music Insurance Services, underwritten by Royal & Sun Alliance (RSA). Tailor made for amateur music groups, it provides a comprehensive range of covers including public and employers’ liability, trustee indemnity, event cancellation, property and money.
Even if you add them together, membership subscription and insurance premium usually cost less than the cost of a comparable insurance policy elsewhere: most groups save money simply by joining us and that's before they have even looked at the other fantastic services we provide!
Protection where you need it
The package is tailor made to 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.
Premiums start at just £42 per year, for a group with less than £21,000 income a year needing ‘Bronze’ level cover.
The basic ‘Bronze’ package includes Public liability, Employers' liability, Trustee indemnity (for registered charities), Money and Products liability.
Or you can opt for ‘Silver’ or ‘Gold’, adding various levels of insurance for property owned, hired or loaned to your group; and to insure yourself against cancellation or abandonment of an event.
The standard covers can also be extended, if you need higher levels, and other types of insurance, such as buildings and travel, can also be provided for you at competitive prices.
This is a policy summary only and does not contain the full terms and conditions of the policy.
About the different packages
See the ‘Insurance cover explained’ link above.
The basic answer is that amateur groups do not pay their members anything at all to perform (apart from travel and sustenance expenses) whereas professional groups do. They are eligible for full membership and the lower insurance premiums. Semi-professional groups can of course also join Making Music, but as Associate members; and pay the appropriate Associate member insurance premium. Professional groups can join Making Music as Associate members, but must contact Making Music Insurance Services direct in order to obtain an insurance quote.
We appreciate that there are some grey areas to this which include:
Scenario 1: a group of amateurs, but which reimburses members' expenses, e.g. for travel and sandwich. Making Music will accept such a group into Full membership and so the group is eligible for insurance at the lower rate (provided that the group meets other Full membership criteria).
Scenario 2: a group of amateurs, but rather than reimbursing on receipts, the group give their members a fixed amount for a gig which roughly corresponds to expenses, e.g. £50.
Making Music will accept such a group into Full membership and so the group is eligible for insurance at the lower rate (provided that the group meets other Full membership criteria).
Scenario 3: the musicians in the group have a day job and don't earn their living by carrying out the activities of the group, but members of the group get paid £100 each for each gig/performance. Making Music will only accept such a group into Associate membership and so the group is only eligible for insurance at the higher rate.
Simply call or send an email to Making Music Insurance Services who will provide you with a competitive quotation to include the additional cover you need.
No – you will need to purchase ‘Silver’ cover if you require property cover.
You can only ask for a custom quote if:
- Your income exceeds £100,000 a year
- You need cover in excess of the ‘Gold’ level, e.g. £10M instead of £5M public liability; or a higher level of property or abandonment
- You need different insurance, e.g. buildings insurance, travel insurance or anything else
About the policy - Property
The sum insured will be the most we will pay. If the sum insured is not adequate, any claim will be reduced in proportion to the degree of under-insurance. For example, if your property limit is £20,000 and your insured property increases past this limit, you should let us know and upgrade to ‘Gold’ cover. If you don’t, you will still be insured up to £20,000, but not for any amount above that.
If you have ‘Silver’ or ‘Gold’ cover this includes cover for a group’s own property and any property hired or loaned to it. There is a single article limit of £5,000 for any single piece of equipment or instrument hired in and the overall amount of cover is subject to the ‘Silver’ and ‘Gold’ cover limits. Cover is provided on a new for old basis and as such the sum to be insured should represent the cost of replacing the item with a modern equivalent.
The policy is intended to cover the society for its liabilities and property owned by the society. Any property belonging to individuals should continue to be insured by the owner.
If you have ‘Silver’ or ‘Gold’ cover then any property hired or loaned to you is automatically covered. There is a single article limit of £5,000 for any single piece of equipment or instrument hired in and the overall amount of cover is subject to the ‘Silver’ and ‘Gold’ cover limits.
Yes – as long it is stored safely and securely it will be covered under the terms of the policy.
Yes – as long it is stored safely and securely it will be covered under the terms of the policy.
If the building is secure the property would be covered. But you should take all reasonable precautions to prevent damage to, and maintain the condition of, the insured musical property.
This depends on the policy of the storage unit. You should ask the storage unit what their insurance requirements are. If you are not sure if you policy covers them then contact us and supply details of the storage unit insurance requirements.
Yes – as long as it is stored safely and securely it will be covered.
Yes as long as it is concealed in the glove or luggage compartment or boot and all points of access are securely locked.
No – it has to be out of sight for the cover to be valid. If it is stored in sight - even if it is covered – it will not be covered by your policy.
Anything you can buy individually would count as a single item. For example a violin and a bow would be separate single items. It does not include replacements parts for an instrument – for example a barrel for a clarinet would not be classed as a single item.
Anything you can buy individually would count as a single item. For example a violin and a bow would be separate single items. It does not include replacement parts for an instrument – for example a barrel for a clarinet would not be classed as a single item.
About the policy - Trustee Indemnity
Yes, this is included up to £100,000
No the trustee liability applies to not for profit organisations as well as charities. So cover would be in place for directors of not for profit organisations.
The liability covers trustees/directors of not for profit organisations for personal lability claims made against them whilst acting in their capacity as trustee/director. This includes well-meaning, but poor, decisions or actions that cause loss or damage to the organisation. It does not cover deliberately dishonest or malicious decisions or actions.
About the policy – other
Making Music Insurance Services covers musical directors who are engaged on a freelance basis as employees for the purpose of liability insurance, since the definition of an employee within the policy includes ‘any person supplied to you or hired or borrowed by you’.
Cancellation and Abandonment insurance is a useful cover to safeguard you against situations where you might have to cancel a concert and can’t recoup costs already paid out. Please check your policy documentation to be sure about what's covered, and what is excluded.
Cancellation and Abandonment cover provides some protection against cancellation due to extreme weather conditions, but only in situations where it would be dangerous to proceed.
Any trailers should be preferably kept in a locked garage/compound and valuables removed when not in use. However, providing they are secured with a wheel lock then they can be added to the insurance policy. Please note that no cover is provided whilst the trailer is being towed, as this should fall to the motor insurance of the vehicle towing the trailer.
Some Making Music members use dance as part of their musical activities and the question has recently been raised as to how much dance is acceptable to qualify for our insurance cover – since the charitable aims of the organisation are to support those who perform and promote music. Our Insurers have always accepted that dance is a part of some musical activities but what is the golden rule? The rule is that dance should be incidental or complementary to the musical activity and that the dancing element should not be the main focus of your activity. If it is then you would be better served by a policy designed for dance groups.
No, there are no upper or lower age restrictions on our insurance. All members of your group and audience will be covered no matter how young or old they are.
The policy provides cover for activities carried out by First Aiders and ‘Good Samaritan’ acts where an honest and reasonable attempt to help has been made. This includes the use of defibrillators.
About your policy - admin
You can find your documents by logging in to your account and visiting your dashboard. If you have purchased custom cover, there may be a 24 hour delay before these are posted.
All insurance enquiries are handled by Making Music Insurance Services. You can call them on 01482 388611 or email firstname.lastname@example.org.
The Policy Summary gives an overview of the levels of cover provided within the Making Music members’ insurance scheme.
If you cancel the policy you may be entitled to a refund of premium provided that no claim has been made during the current period of insurance, in accordance with the table below.
Short Period Cancellation Scale
Length of period the policy has been in force:
Over Four Months
Amount of premium returned:
Our aim is to provide a first class service, however, if you wish to register a complaint, please contact Making Music Insurance Services detailed as follows:
Complaints Department, Jelf Insurance Brokers Ltd
Bristol, BS37 6JX.
Telephone: 014 5427 2727
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
Call our claims helpline on 01482 388611 (Monday - Friday 9 until 5) as soon as possible or 0345 300 4006 outside these hours. You must give us any information or help that we may reasonably ask for. You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to make a claim can be found in our policy document
Making Music Insurance Services will process your claim which may involve the insurers contacting you directly.
About the insurer
Royal & Sun Alliance (RSA)
Making Music Insurance Services is a trading name of Jelf Insurance Brokers Ltd (Reg No. 0837227) which is part of Jelf Group plc (Reg No. 2975376) and is authorised and regulated by the Financial Conduct Authority (FCA).
The FCA is the independent watchdog that regulates insurance. It requires us to give you this information. Use this information to decide if our services are right for you.
The Making Music Insurance Scheme only offers a single insurance product from Royal & Sun Alliance (RSA). Making Music Insurance Services can offer products from various insurers.
The National Federation of Music Societies will not offer any advice and you will need to make your own decision regarding the suitability of any policy of insurance purchased. Making Music Insurance Services is permitted to arrange and assist with the placing and administration of commercial insurance policies and can be contacted on 01482 388611.
Making Music Insurance Services is a trading name of Jelf Insurance Brokers Ltd (Reg No. 0837227) which is part of Jelf Group plc (Reg No. 2975376) and is authorised and regulated by the Financial Conduct Authority (FCA). You can check this on the FCA’s Register website or by contacting the FCA on 0800 111 6768. Our permitted business includes arranging and assisting with the placing and administration of commercial insurance policies.
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about compensation scheme arrangements is available from the FSCS website or by calling 0800 678 1100.