Insurance for music groups - choirs, bands, and orchestras

Music groups face unique risks and challenges, from performing in public venues to handling expensive equipment. Making Music provides insurance specifically designed for music groups, including choirs, bands, orchestras, and other ensembles. Our tailored coverage can help protect your group financially and give you the confidence to focus on making music.

What is music group insurance?

Music group insurance provides essential coverage tailored to the needs of groups like choirs, bands, orchestras, and ensembles. It includes public liability insurance, instrument and equipment coverage, and employer’s liability. This type of insurance protects your group from legal and financial risks if an accident occurs during a rehearsal, performance, or other music-related event.

Making Music’s insurance policies offer peace of mind by covering a wide range of potential risks, including third-party injury, property damage, and loss or damage to your equipment. Whether you’re a small community choir or a large orchestra, we have coverage options chosen by you to suit your needs.

Why does your group need music insurance?

Music group insurance is crucial for groups that engage with the public or use shared spaces, as it protects against unexpected incidents that can have costly consequences. Here’s why insurance is essential for your group:

Public liability coverage: If a member of the audience or venue staff is injured during one of your performances or rehearsals, public liability insurance covers legal fees and compensation costs, which can be substantial.
Instrument and equipment protection: Instruments and equipment are vital assets for any music group, and repairs or replacements can be costly. Insurance provides coverage in case of damage, loss, or theft. Instruments left in vehicles must be kept out of site and the vehicle must be locked.
Venue requirements: Many rehearsal spaces and performance venues require music groups to have public liability insurance as part of their booking policies.
Employer’s liability for volunteers: If your group uses volunteers, employer’s liability insurance can protect you in case of accidents involving unpaid helpers. This is required by UK law.

Without insurance, these unexpected costs could place a financial strain on your group, limiting your ability to perform and grow. Please make sure you read your policy documentation to ensure you are familiar with the full policy terms and conditions.

Why choose insurance from Making Music?

Making Music is dedicated to supporting community music groups, and our insurance offerings are designed specifically for groups like choirs, bands, and orchestras. Here’s why our coverage stands out:

Tailored for music groups: We understand the unique needs of music groups, so our policies are designed to cover the specific risks faced by choirs, orchestras, bands, and ensembles.
Affordable premiums: As a membership organisation, we offer cost-effective insurance options that fit the budget of community music groups.
Flexible coverage options: Pick from our Bronze, Silver, Gold and Brass package options or speak with us about your custom requirements.
Exclusive for members: Our insurance packages are only available to Making Music members, who also benefit from resources, networking, and support to help music groups thrive.

By choosing insurance through Making Music, you’re not only protecting your group but also joining a community of music lovers dedicated to fostering music-making across the UK.

How to apply

Becoming a Making Music member is the first step to accessing our insurance packages. When you sign up for membership you can take out an insurance policy at the same time. If you prefer you can start with just membership and add insurance later. We can help guide you through the insurance options we offer.

FAQs

What types of music groups are covered?

Our insurance is available to a wide range of leisure-time music groups, including choirs, orchestras, concert bands, jazz ensembles, and other performance groups.

Is there a limit to the public liability coverage?

Yes, our policies provide up to £5 million in public liability coverage, meeting the requirements of most venues.

Does the insurance cover group-owned instruments?

Yes, instrument and equipment insurance can be included to protect against theft, damage, or loss.

Read our full list of insurance FAQs.

Visit our membership and insurance page.