Liability Cover

This summary only provides an outline of the musicians insurance cover and it does not detail all the terms/conditions/exclusions, full details can be found in the policy booklet, a copy of which is available on request.

The insurer of your policy is Aviva Insurance Ltd.

All policies are for 12 months, but you do have the right to cancel within 14 days of inception, and providing no claims or losses are reported, your premium will be refunded. After this date the policy become subject to the minimum and deposit clause which means no refund will be allowable.

Features and Benefits

The territorial limits are UK and Europe.

The policy provides indemnity in respect of the insured’s legal liability to third parties for accidental bodily injury and/or accidental damage or loss to third party property arising in connection with their activities as Entertainers/Musicians.

The limit of indemnity for any one claim is £5,000,000.

Significant exclusions & Limitations
-The third party property damage excess is £250.00 (there is no excess for personal injury claims).

-The policy excludes member to member cover.
“We offer Public and employer’s liability”
“PL protects against claims for loss, injury or damage where the and is proven to be negligent”

  • Eg injury caused by a member of the public falling over a speaker wire
  • Damage to a property
  • Injury between members of the band

“Excludes contractual liabilities of the band (i.e. the band not turning up for a gig)

We can also extend our policies to include Employers Liability.

EL can also be included at £10,000,000

Employers Liability is needed by law if any member of the band is paid for their attendance

By law, all employees must be protected by EL