Musicians’ insurance

It depends on the type of work you do, where you do it, and who you work with.

If your work involves the public, whether you're hosting events, working in hired spaces, or welcoming clients into your workspace, having the right level of Public Liability Insurance is essential. It covers you if someone is injured or their property is damaged as a result of your business activities.

Many professionals choose between £1 million and £5 million, but certain clients or venues (especially for larger events or corporate contracts) may require up to £10 million in cover.

With Admiral Business, you can pick a level of protection that suits your setup and update it easily as your business evolves.

Here’s how they work:

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• Public Liability Insurance covers physical accidents. For example, if someone is injured or their property is damaged during the course of your work.
• Professional Indemnity Insurance covers the service or advice you provide if a client claims your work didn’t meet expectations or caused them financial loss.

If your work involves client interaction, creative services, or delivering to a brief, having both types of cover can give you peace of mind.

If you employ anyone even part-time, on a casual basis, or for occasional help Employers’ Liability Insurance is usually a legal requirement. It covers you if someone working for you is injured or becomes ill because of the work they do.

Public Liability Insurance is different it covers injuries or property damage affecting people outside your business, like clients, event guests, or suppliers.

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If you’re unsure whether the people helping you count as employees, just get in touch and we’ll help you figure it out.

Whether it’s damaged equipment, lost items, or an incident involving a client — head to admiralbusiness.com/make-a-claim or email us at claims@admiralbusiness.com.

Include your policy number, a brief summary of what happened, and any supporting documents (like receipts, photos or emails). The sooner you get in touch —ideally within 14 days — the sooner we can help get things sorted.

Your claim form, which you can access at admiralbusiness.com/make-a-claim, will guide you on what to include, but please share as much relevant information as you can. If we need anything else, your claims handler will let you know. Where possible, original photos or documents should be provided.