Musician insurance: get covered for claims, gear, and stolen music.
The short answer
Musician insurance from SongSure covers music liability for copyright, samples, and claims over your music or lyrics, gear and instruments, and Fight Back when someone steals your music or holds royalties.
Insurance for musicians that covers the songs, the gear and the people who take them.
What musician insurance covers
- Music liability. Claims that your song copied someone, a sample wasn't cleared, or your lyrics, artwork or videos defamed someone (which SongSure covers too).
- Gear and instruments. Theft and damage at home, in the studio and on the road (which SongSure covers too).
- Shows. Liability when a venue or promoter asks for it (which SongSure covers too).
- Fight Back. Help paying a lawyer when someone steals your music or holds your royalties.
Risks musicians face
- Songs that sound alike. A writer says your hook copied theirs.
- Samples and covers. Released without the right clearance or license.
- Lyrics and artwork. Real people, real names and images you didn't license.
- Band names. A name that clashes with someone's trademark.
- Venue contracts. Proof of insurance before you can load in.
Fight Back for stolen music, unpaid royalties, and bootleg merch
Most insurance waits for you to get sued. Fight Back helps pay for a lawyer, takedowns and demand letters when someone takes your work, for theft you find after your policy starts.
- Stolen music. Your song uploaded under someone else's name or sampled without pay.
- Unpaid royalties. A label or distributor holding what you're owed.
- Bootleg merch. Shirts and posters with your name you never approved.
- Your name, their band. Someone else using your name or logo.
Proof of insurance for venues and promoters
Venues, promoters and festivals often ask for a certificate of insurance before you play. Once you're covered, SongSure gets you one from the SongSure app, right from your policy screen.
Musician insurance cost
There is no flat price, and we won't guess at one here. Your quote depends on what you play and own, how often you tour, the venues you play, the coverage you pick, the limits you choose, and your claims history.
SongSure builds it around you, so you only pay for what you need. See what moves the price, then request a quote for your real number.
FAQ
Do musicians need insurance?
If you release music, play shows or own gear you can't afford to replace, yes. Music liability covers claims over your songs. Gear coverage protects your instruments. Fight Back helps you go after people who steal your music.
How much does musician insurance cost?
There is no flat price. It depends on your gear, touring, venues and the coverage you pick. See what moves the price and request a quote.
What is musician liability insurance?
It usually means two things: music liability for claims over your songs, and general liability for injuries and damage at shows. SongSure covers both. See music liability insurance.
Does it cover songs I already released?
Yes. Tell SongSure about your catalog and your policy will cover released songs too. It doesn't cover a dispute you already know about.
Does general liability cover claims over my music?
General liability covers some defamation claims for ordinary businesses, but it's typically limited or excluded for businesses in advertising, broadcasting or publishing, and it doesn't address claims that your song copied someone. That's music liability.
More music insurance
Get a 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 Music, Gear and Fight back. Add anything else you want covered in the notes, and SongSure will build it into one policy.