Music Instructor Insurance

Liability insurance for music instructors and teachers

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Protect Your Business

Insurance Canopy and Music Instructor Insurance

Insurance Canopy provides music instructors with high-quality, customizable liability insurance perfectly tuned to their needs. With general and professional liability, our policy covers the common risks faced by music instructors, allowing you to run your business with peace of mind and without missing a note!

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Tuned To Your Needs

Music instructors face a unique set of risks. As such, you need a unique combination of insurance policies. At Insurance Canopy you can create a customized insurance plan, including general liability, professional liability, and more.

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Don’t Miss A Beat

A single liability claim could cost you thousands of dollars in out-of-pocket expenses, as well as damage your reputation as a music instructor. Music instructor insurance can reduce and even eliminate the cost of claims so you don’t have to miss a single day of business.

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Cover Your Venues

If you rent studio space, or run your business at several different venues—like a music store—you may be required to have liability insurance and include the locations as an additional insured. Luckily, Insurance Canopy offers unlimited additional insured for just $30 a year.

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Coverage Details

General Liability  
Each Occurrence Limit 
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
Personal & Advertising Injury Limit 
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person's right of privacy
- The use of another's advertising idea in your advertisement
Medical Expense (any one person) $5,000
Damage to Rented Premises Limit  
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
Products & Completed Operations Aggregate 
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
General Aggregate 
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
Professional Liability  
Each Claim $250,000
Aggregate $250,000
Deductible $0
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The Ideal Coverage For Music Instructors
Insurance Canopy offers a comprehensive combination of general and professional liability, creating the ideal protection against the risks faced by music instructors. Additional policy options are also available according to individual business needs.


General Liability - Protects against third-party bodily injury and property damage claims arising from accidents involving your business. Common claims include students getting injured during a lesson or accidentally breaking something at your place of business.


Professional Liability - Protects against third-party negligence claims arising from your business operation. Common examples of claims include errors and omissions made during the teaching process or failure to help students achieve certain goals.


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Need More Coverage?
- Cyber Liability ($99) -Protects from first- and third-party claims arising from a cyber security breach within your business. Common claims include repairing or replacing compromised equipment, recovering lost data, and compensation for lost customer data.


- Additional Insureds ($30) -Extends your coverage to rented spaces and other businesses where you might teach from the cost of accidents caused by your business. It is common practice for you to include these locations as an additional insured on your insurance policy.


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Questions About Music Instructor Insurance

Music instructor insurance offers a financial safety net for your business. The policy has two main business insurance coverages: general liability and professional liability. General liability is designed to respond to claims arising from a lawsuit you are legally responsible to pay for. Professional liability may cover your business if you are sued for negligence over your service.

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Many students want to enhance their musical abilities and look to instructors for guidance. Since you work closely with people, there is a chance they can press for legal action arising from a claim. With coverage in place, you gain a financial safety net and peace of mind.

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Musician instructor insurance starts at $99 per year or $8.25 per month and provides instructors with professional and general liability coverage.

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Yes. Insuring your business is a proactive thing to do. You run the risks of things going wrong on the job. If you were to face legal action, the costs could be a financial strain for your small business. With insurance, you’ll have protection in place.

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Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

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Need additional information before making a decision?

Give our team a call today at 844.520.6993


Music Instructor Insurance

Annual Policy: Starting at $99 - Your business involves working closely with people; let us help you have peace of mind with protection for your small business. We understand the most common claims your business will face and we want to help you be protected. Let us be your professional resource to help your business thrive.