Looking for Music & Sound Services Insurance?
Protect your audio business from equipment damage, liability claims, event accidents, and professional errors. Get coverage for sound engineers, audio rental, production services, and music technology companies.
What is Music & Sound Services Insurance?
Music and sound services insurance protects audio professionals and companies from equipment loss, venue/property damage, event injuries, and service-related claims (like technical failures or performance issues). Coverage commonly includes inland marine/equipment protection, general liability, and professional liability. Venues, event planners, and corporate clients typically require proof of insurance before load-in, setup, or contracts.
Equipment Protection
Covers sound systems, mixers, speakers, microphones, cables, and audio gear, owned or in your care, against theft, damage, or loss.
Event Liability
Covers injuries or property damage during setup, operation, teardown, or installations at venues and client locations.
Professional Liability
Covers claims tied to service errors, technical failures, missed cues, or negligent professional work (where financial harm is alleged).
Certificates
Fast proof for venues, event planners, clients, and rental partners.
Who Needs Music & Sound Services Insurance?
- Sound engineers : Businesses requiring specialized insurance coverage
- Audio equipment rental companies : Businesses requiring specialized insurance coverage
- Recording studios : Businesses requiring specialized insurance coverage
- Audio installation companies : Businesses requiring specialized insurance coverage
Frequently Asked Questions
What insurance do sound services need?
Most need equipment/inland marine coverage for gear, general liability for venue property damage and injuries, and professional liability for service errors or technical failures. If you transport equipment, commercial auto is important. Workers’ comp is typically required if you have employees. Some operations also consider crime coverage for theft and business interruption for downtime after a loss.
Is music and sound insurance required?
Often, yes, by contract. Venues and event planners commonly require general liability (often $1–$2M) and may require the venue be added as an additional insured. Corporate clients often require proof before signing. Equipment rental partners may require proof that you’re insured for the gear in your possession.
How much does sound services insurance cost?
Solo engineers often pay $1,500–$4,000/year, depending on gear value and event volume. Audio rental companies often pay $5,000–$ 15,000 per year, depending on inventory value and scope. Recording studios often pay $3,000–$10,000+/year depending on facility value, equipment schedules, and services.
Does insurance cover equipment damage?
Yes, equipment coverage can protect gear during transport, storage, and at venues. Coverage typically covers theft (including from vehicles, depending on the terms), accidental damage, weather-related incidents, and certain “mysterious disappearance” scenarios, if included. Scheduling equipment and maintaining documented values helps avoid claim issues.
Does insurance cover hearing damage claims?
Sometimes, depending on policy terms and how the event is operated. Claims may be covered when reasonable safety standards are followed (e.g., sound-level practices, warnings, and compliance with applicable ordinances). Some insurers offer endorsements, while others exclude hearing damage, so it’s important to confirm this exposure if you work at high-volume events.
Can I add venues as insured?
Yes. Venues routinely require being added as additional insureds on your general liability. We handle certificates on a per-event basis and can also support common venue requirements, such as waiver of subrogation or primary/non-contributory wording, when needed.