Liability Insurance for Musicians

Scott Sutherland · Post by **Scott Sutherland** » Wed Sep 27, 2006 12:19 pm

My quintet needs to get liablilty insurance for the touring that is coming up along with some of the recitals we are planning at local high schools. Any suggestions as to where one might go to get this insurance?

tubaguy9 · Post by **tubaguy9** » Wed Sep 27, 2006 12:25 pm

Wow...sounds like something I need. I don't know of where to get it, but I'm wanting to watch this thread, and I don't know of another way besides this.

tubaguy9 · Post by **tubaguy9** » Wed Sep 27, 2006 12:29 pm

Wait...As I think about it, talk to your insurance agent

windshieldbug · Post by **windshieldbug** » Wed Sep 27, 2006 1:03 pm

Do you think that you might perform so badly that the composer/audience might sue?

ufoneum · Post by **ufoneum** » Wed Sep 27, 2006 1:40 pm

I don't know if it applies to what you are doing, but I do know that you can purchase insurance through the AFM if you are a member. Hope this helps.

- Pat Stuckemeyer

Dennis K. · Post by **Dennis K.** » Wed Sep 27, 2006 2:12 pm

I suspect the insurance that will be required by the school districts is the type of personal liability insurance that teachers carry.
I'm sure the local teachers' union can give you more details.

UTTuba_09 · Post by **UTTuba_09** » Wed Sep 27, 2006 4:12 pm

I went through USAA (if you or a member of your family is in the military) and I purchased "Valuable Personal Property" insurance. Both of my horns are insured my Kalison for 6,000 and my Yamaha for 1,000. Costs about 10 bucks a month...

tubabernie · Post by **tubabernie** » Wed Sep 27, 2006 5:40 pm

I just got off the phone with Clarion Insurance, This seems like a really good deal. Thanks for all those who told me to check this out.

Steve Inman · Post by **Steve Inman** » Wed Sep 27, 2006 9:38 pm

My brass choir (~12 to 14 piece -- Christmas season only) used to play at the local shopping mall until they started requiring a $1M (insert little finger tip between lips ala Dr. Evil) liability insurance. Hence, we no longer spread Christmas cheer there.

Does "Clarion" cater to musicians somehow? Any other "musician friendly" options out there?

Curious in Kokomo,

Mark · Post by **Mark** » Wed Sep 27, 2006 10:34 pm

Steve Inman wrote:My brass choir (~12 to 14 piece -- Christmas season only) used to play at the local shopping mall until they started requiring a $1M ... liability insurance.

I've done this a few times. For a single event, the insurandce is not really that expensive. The last time I bought a policiy for a single day at a single location, it was less than $100.

Anmd to a earlier poster, most schools do require that you show proof of a general liabilty policy. The school wants you to pay if someomne slips in the theater and sues.