Studio Liability Insurance
Our Studio Liability Insurance is a type of general liability insurance. However, it is geared to provide coverage for home and commercial studios.
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MusicPro began offering Studio Liability insurance, in direct response to requests from music professionals who own, operate, and rent recording or rehearsal studios. This policy supplements our Instrument & Equipment plans by rounding out coverage for full protection with liability claims.
Liability protects studio owners or operators from third-party lawsuits involving bodily injury and/or property damage for incidents occurring at the designated studio location -- be it a home studio or commercially used space. This coverage also can cover music teachers or musicians who rent a practice studio.
Coverage starts at $350 per year
Coverage includes:*
- $1,000,000 combined single limit (CSL) per occurrence for bodily injury and property damage
- $2,000,000 annual aggregate
- $100,000 fire legal liability
- There is no deductible for this policy
*Subject to policy terms, limits, conditions and exclusions.
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Studio Liability Insurance
Frequently Asked Questions
Studio liability is a form of general liability insurance. It is designed to protect you against third-party lawsuits claiming bodily injury or property damage. This policy is designed for studios or rehearsal spaces you rent.
For example, if someone walks into your studio, slips and breaks their ankle, the injured person might sue you for damages (bodily injury).
Another example would be if you rented out your studio and the renters plugged their equipment into your board and their electrical instruments blew out. The renters could sue you for damage to their property (property damage).
People get sued. Every business opens itself up to lawsuits simply by dealing with the public. A recording or rehearsal studio is no exception. Also, an increasing number of landlords require tenants to carry this coverage as part of their lease.
You must read the details of your policy to know for certain. But most exclude or severely limit the types of business operations they cover. We believe that a business is best covered by a business policy. If you operate a studio and charge a fee for its use, or are in the business of recording, you need this coverage.
No. Our program is designed to cover "fixed locations," specifically music and/or recording studios. However, our Tour Insurance provides band liability protection on the road, and our Instrument & Equipment insurance covers your equipment anywhere inside of the studio or out on the road.
Yes. The policy is rated on square footage of your space and annual receipts from the income made from the space. The policy starts at a low minimum premium of $350.
No. The studio can be anywhere, whether in your home or at a separate location in the USA.
No. This is what is called "first dollar coverage." You don't have to pay any deductible whatsoever.
The Hartford, one of the nation's largest and oldest insurance companies — A rated by A.M. Best Company.
Call MusicPro Insurance Agency LLC at 1(800)MUSICPRO as soon as you are aware of a problem.
Customer Quotes
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— Eric P. (August 2006)
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