How much does musician insurance cost?

Every quote is built from a few things: what you own, where you play, what you need covered and how much protection you want. Here's how each one works.

The more your instruments, amps and production gear are worth, the more it costs to replace them, and the more it costs to cover them. Where gear is kept and how often it travels matter too. See music equipment insurance.

More dates, more travel and more money at risk mean more exposure. Single gigs and full tours are quoted differently. See tour cancellation insurance.

Venues, promoters and festivals often set the liability limits you need to play. Higher required limits raise the price. See venue and festival insurance.

Running a studio, producing for clients or releasing other artists' music adds claims over the music itself. See music producer insurance and record label insurance.

Your limit is the most your policy pays for a covered claim. Higher limits cost more. Some contracts set a minimum.

Past claims tell underwriters how risky your work is. A clean history helps your price.

SongSure's quote form is short on purpose. Here's what it asks and why:

• Name and email. So a real person can get back to you with your quote.
• State. So your policy is written for where you're based.
• I am a. Musician, producer, record label, publisher, manager, recording studio, venue owner, or a mix. Each one carries different risks.
• What do you want covered? Music, masters, gear, studio, tour, Fight Back or other. This sets which coverage goes into your quote.
• Anything else we should know? Gear values, tour dates, venue requirements or past claims. The more you share, the more accurate your quote.

Tell us what you need covered. A real person reviews every request and gets back to you with a quote.

On the form, check what you want covered. Add anything else you want covered in the notes, and SongSure will build it into one policy.