Looking for Music Instructor Insurance?
Protect your music teaching business from student injuries, instrument damage, liability claims, and professional errors. Get coverage for private music teachers, studio instructors, and music education professionals.
What is Music Instructor Insurance?
Music instructor insurance protects teachers from injuries sustained during lessons, accidental property damage at studios or homes, claims related to instruction, and loss/damage to teaching instruments or studio equipment. Coverage commonly includes general liability, professional liability, and equipment protection. Many schools, studios, and venues require proof of insurance before you can teach on-site or rent space.
Student Safety
Covers injuries during lessons, rehearsals, recitals, and group classes (including slips/falls and certain accidents tied to instruction).
Instrument Protection
Covers your teaching instruments, studio equipment, and audio gear against theft or accidental damage (often during transport too).
Professional Liability
Covers claims alleging negligent instruction, failure to supervise, or other teaching-related errors that cause financial harm.
Certificates
Fast proof for schools, studios, rehearsal spaces, and performance venues.
Who Needs Music Instructor Insurance?
- Private music teachers : Businesses requiring specialized insurance coverage
- Studio music instructors : Businesses requiring specialized insurance coverage
- School music educators : Businesses requiring specialized insurance coverage
- Performance coaches : Businesses requiring specialized insurance coverage
Frequently Asked Questions
What insurance do music instructors need?
Most need general liability (student injuries/property damage), professional liability (instruction-related claims), and instrument/equipment coverage (your teaching gear). If you teach minors, some facilities may ask about abuse/molestation coverage.
Is music instructor insurance required?
Often required by studios, schools, and rehearsal spaces, they typically request $1M per occurrence and add them as additional insureds. Even when not required, it protects you from costly injury or damage claims.
How much does music instructor insurance cost?
Many solo teachers pay $300–$800/year. If you have a studio space, higher gear values, multiple locations, or group classes, it may be $800–$2,000+/year.
Does insurance cover student injuries?
General liability typically covers accidents during lessons when reasonable supervision and safety measures are in place (in the studio, at school, or at the student's home if your policy extends off-premises). Ignoring known hazards can create claims issues.
Does insurance cover damaged instruments?
Your equipment coverage protects the instruments you own. If you handle student/school instruments, you may need “care, custody, and control” or bailee-style protection; standard policies may be limited in this context.
Can I add schools as insured?
Yes, many schools/studios require it. We can issue certificates and add additional insureds for each location you teach.