Record label insurance: coverage for labels and catalogs.

The short answer

Record label insurance covers music liability, catalog risks, and Fight Back for unauthorized use or disputes.

Everything a label needs in one place: music liability for every release, catalog and masters coverage, and Fight Back.

Want a quick overview of catalog coverage? See the music catalog insurance overview.

What record label insurance covers

  • Music liability, often called record label E&O. Claims over the songs, artwork and videos you release (which SongSure covers too).
  • Catalog risks. Claims over older releases and the cost to recreate lost or damaged masters.
  • Marketing. Claims over ads, campaigns and promo content.
  • Fight Back. Help paying a lawyer to go after unauthorized use of your releases.

Risks labels face

  • Artist releases. A claim over an artist's song usually names the label too.
  • Samples and features. Clearances you relied on someone else to get.
  • Artwork and videos. Images, people and logos in frame.
  • Old catalog. Claims can surface years after release.
  • Distributors. Contracts that ask you to carry E&O.

Fight Back for catalog disputes and unauthorized use

Fight Back helps pay for a lawyer, takedowns and demand letters when someone uses your releases without permission or holds money you're owed, for issues you find after your policy starts.

  • Streaming theft. Your masters uploaded under someone else's name.
  • Royalties held back. A distributor keeps collecting on masters you own.
  • Your music in their ad. A brand using a release without a license.
  • Bootlegs. Unlicensed copies and merch.

Proof of insurance for distributors and partners

Distributors, streaming partners, sync agents and brands often ask labels for proof of E&O. Once you're covered, SongSure gets you a certificate of insurance from the app.

Record label insurance cost

There is no flat price, and we won't guess at one here. Your quote depends on how many releases you put out, the size of your catalog, your artists and genres, your clearance process, the limits distributors ask for, 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 record labels need insurance?

Yes. Distributors and partners often ask for E&O, and every release is content someone can claim against. Music liability covers those claims.

How much does record label insurance cost?

There is no flat price. It depends on your releases, catalog, artists and the limits you need. See what moves the price and request a quote.

Is there indie label insurance?

Yes. SongSure covers independent labels of any size.

What is record label E&O insurance?

E&O, or errors and omissions, is the music liability part. It covers claims over the music, artwork and videos you release.

Does it cover our back catalog?

Yes. Tell SongSure what's in the catalog and your policy will cover older releases and the masters you own.

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, Masters and Fight back. Add anything else you want covered in the notes, and SongSure will build it into one policy.