This coverage is designed to protect against claims of bodily injury or property damage to third parties caused by your operations as a professional musician. It includes the cost of a lawyer to defend you.
The Commercial General Liability coverage offered through the program would not be intended to cover touring exposure. A tour is defined as a series of pre-scheduled performances in different cities, performed by an artist or group over a series of weeks or months. A tour has a scheduled start and stop date and the band/musician is responsible for booking the venues in which they perform. If you are a touring band/musician, please see our music tour liability page.
This Commercial General Liability policy provides coverage for claims arising from a personal recording studio. This Commercial General Liability policy excludes claims arising from the operation of a commercial recording studio, which is what it is when you have third parties using the studio. Operators of commercial recording studios can use StudioPolicy to buy a policy online.
This Commercial General Liability Policy also includes coverage for tenant legal liability (coverage for your professionally used rented premises), Employers Liability (Canadian employees only) and Non-Owned Auto Liability equal to limits chosen. The commercial general liability / tenant legal liability coverage’s would not apply to personal residence or any activities outside of those as a professional musician.
This policy includes the following exclusions: Pyrotechnics and/or Throwing of Objects Exclusion; Abuse Exclusion, Field of Entertainment Exclusion.