Music Producers, Composers & Musicians
Tailored insurance for Music Producers, Composers & Musicians. Build your own cover to suit your needs with Public Liability, Equipment Insurance and more.
Music Producers, Composers & Musicians
Tailored insurance for Music Producers, Composers & Musicians. Build your own cover to suit your needs with Public Liability, Equipment Insurance and more.
Protecting the People Who Make the Music
From writing and arranging compositions to recording and producing tracks, music professionals are at the heart of the creative process. Whether you’re a freelance music producer, a composer scoring for film or television or a session musician recording in the studio, your work shapes the soundtracks that audiences connect with.
Unlike sound engineers or technicians who operate equipment, your focus is on creative output and performance, which come with their own set of risks and responsibilities.
Why Insurance Matters for Music Producers, Composers & Musicians
Your work often relies on a mix of high-value equipment, creative deadlines and live performance commitments. A single incident, damaged gear, cancelled events or a dispute over intellectual property can quickly affect both your finances and your reputation.
Insurance gives you the protection you need to keep creating, performing and delivering, even when the unexpected happens.
Insurance to Suit You
Public Liability insurance from £84 a year for £1m cover
Or choose your own cover limit of £2m, £3m or £5m.
Up to £50k all-risk technical and portable equipment cover
Covered in the UK & EU as standard or increase cover to worldwide.
Professional Indemnity - be covered for contract disputes
Protect your reputation with Professional Indemnity insurance with either a £100,000 or £250,000 limit.
Up to £50k cover for equipment that doesn’t leave your property
Protect the contents of your business and other technical equipment that doesn’t leave your property.
Employers’ Liability cover for up to 3 PAYE employees
Our Employers’ Liability cover provides £10,000,000 of cover.
What Roles Do We Cover?
We work with a wide range of music professionals, including:
- Music Producers
- Composers for Film, TV and Games
- Session Musicians
- Live Performers and Bands
- DJs and DJ/Producers
- Recording and Mixing Artists
- Freelance Musicians across all genres
If your role isn’t listed but your work involves sound creation, editing or post-production, we can help you find the right cover. Call us on 0330 236 6408.
Common Insurance Risks in Music Creation & Performance
Some of the risks you may face include:
- Theft or damage to instruments, recording gear, laptops and software.
- Cancellations or postponements of gigs, sessions or recording dates.
- Client disputes over music rights, deadlines or quality of work.
- Accidents or injuries during live performances or rehearsals.
- Loss of income if you’re unable to perform or produce due to illness or damage to your studio.
Why Choose Mode Insurance?
We understand the realities of working in music, from the challenges of freelancing to the pressures of live performance and studio deadlines. Our policies are designed for creative professionals and small businesses, offering flexible cover that adapts to the way you work.
Whether you’re producing in the studio, composing for clients or performing on stage, we’ll help protect your livelihood and your craft.
Practical Insurance Advice for Music Producers, Composers & Musicians
To strengthen your protection alongside insurance:
Keep detailed inventories and valuations of instruments and studio equipment.
Back up projects and compositions securely to avoid data loss.
Use contracts to clarify licensing, rights and payment terms with clients.
Allow time for equipment testing before live performances to minimise disruption.
Store instruments and equipment securely when not in use, especially while travelling.
Latest guides
FAQs
Below we have listed the most common questions we get from our customers about insurance for music producers.
Why should I get a quote from Mode Insurance?
Our coverage is flexible and can be adjusted to suit periods of intense project work or times when you're between projects. Additionally, our policies are specifically designed for the creative industry and are suited to a wide range of professions.
Can I adjust my insurance coverage as my professional needs change?
Absolutely! We understand that the life of a creative freelancer is ever-changing. That’s why our insurance plans are designed to be as flexible as your career. You can choose from short-term options for specific projects or opt for longer-term coverage. Adjustments can be made to suit your current professional situation, whether you're scaling up your operations or downsizing.
Do I need Public Liability insurance?
Whether you need Public Liability insurance depends on the nature of your business. It's not a legal requirement, but it's particularly important if your business activities involve interaction with clients, customers or members of the public. This could be as simple as working from a coffee shop, all the way to working in a large stadium or event space.
How much Public Liability insurance cover do I need?
The amount of coverage you need depends on your business type, size and the specific risks involved. Typically, businesses opt for cover ranging from £1 million to £5 million, but it's best to assess your individual business needs.
You may find a minimum coverage amount specified in a contract that you are looking to secure as many other businesses, venues or local authorities will stipulate the amount of Public Liability insurance you need.
Is Public Liability insurance a legal requirement?
No, Public Liability insurance is not a legal requirement for most businesses in the UK. However, it can be important due to the financial protection it offers against claims from the public.
You may also find that Public Liability insurance is required by some clients, suppliers and partners before you work with them.
What is the difference between Public Liability and Professional Indemnity insurance?
Public Liability insurance covers injury or damage to third parties and their property, while Professional Indemnity insurance protects against claims of professional negligence or poor advice.
Can I get Public Liability insurance for one day?
Yes, one day Public Liability insurance is becoming increasingly popular and most businesses can obtain cover specifically for one day. This is ideal for short-term events like workshops, pop-up shops or a shoot you are organising.
This is great for budgeting and charging your clients as you know exactly how much the insurance has cost for the specific job.
Which type of creative freelancers need Equipment Insurance?
If your work requires the use of expensive specialist equipment, such as Photography Equipment, Film Equipment, laptops microphones and more, then Equipment Insurance can help provide peace of mind that you can repair or replace any of your important work tools if they are stolen, lost or accidentally damaged.
How much Equipment Insurance cover do I need?
This will depend on the value of your equipment and how much it would cost to replace it all if it were stolen, lost or accidentally damaged.
We can provide up to £50k of Equipment Insurance to cover all of your vital work gear.
What equipment is covered?
The policy covers the equipment you need to keep your business up and running that you take away from the premises.
Some examples of equipment that can be covered are:
- Communication tools, such as desktops, laptops, mobiles, and tablets
- Essential work equipment, such as graphic tablets and hairdressing equipment
- Photography equipment, such as including cameras, lighting, and staging equipment
- Accessories, such as lenses, lighting rigs, etc.
- Cameras and ancillary equipment
- PA, sound and lighting equipment
- Portable electrical equipment
- Mechanical effects equipment
- Grip equipment
- Props, sets and wardrobes
- Makeup and prosthetics
- Editing and recording equipment
- Video and broadcast equipment
Who needs Professional Indemnity insurance?
Creative professionals who provide advice, consultancy work or work under a contract with a client can consider Professional Indemnity insurance.
This includes, but is not limited to, graphic designers, photographers and marketing consultants.
How much does Professional Indemnity insurance cost?
The cost of Professional Indemnity insurance varies based on factors like your profession, the level of risk and the amount of coverage needed.
How much Professional Indemnity insurance do I need?
The amount of cover required depends on your business size, the clients you work with, the types of contracts you work under and the potential risks involved in your services. It's a good idea to assess the maximum claim you could face and choose a limit that can comfortably cover this.
With Mode Insurance you can choose a Professional Indemnity insurance cover limit of either £100,000 or £250,000, depending on your needs and requirements.
Do I need Employers’ Liability insurance?
If you employ anyone, even on a casual or part-time basis, the law typically requires you to have Employers' Liability insurance. This means that you have at least the minimum cover if an employed person makes a claim against you.
What does Employers’ Liability insurance cover?
Employers’ liability insurance can provide cover for:
- Compensation if an employee claims for injury or illness caused while working for you.
- Fees for your legal representation at any coroner’s inquest of fatal accident inquiry and proceedings in any court of summary jurisdiction arising out of any alleged breach of statutory duty.
- The claimants’ legal costs for which you are legally liable.