RISK MANAGEMENT FOR MUSICIANS AND TOURING TALENT
Kelly Insurance Group helps musicians, touring artists, bands, solo performers, and their teams coordinate personal insurance, instrument coverage, touring liability, event coverage, travel risk, business insurance, cyber protection, and life insurance planning.
EVERY SHOW IS A BUSINESS TRANSACTION — AND THE INSURANCE SHOULD REFLECT THAT.
Musicians and touring talent may face insurance requirements at every stop — from venue liability certificates to crew workers compensation, instrument transit coverage, hired auto liability, and production equipment exposure. A single tour may involve dozens of contracts, venues, crew members, vehicles, and equipment schedules across multiple states.
Kelly Insurance Group helps review the personal and business insurance issues that travel with the artist — not just what sits at home.
COMMON MUSICIAN INSURANCE TRIGGERS
INSURANCE COORDINATION FOR THE ARTIST, THE TOUR, AND THE LIFE BEHIND THE MUSIC.
INSTRUMENTS AND EQUIPMENT
Musical instrument insurance, high-value instrument coverage, vintage and custom gear, production equipment, sound equipment, backline, costumes, touring property, and inland marine coverage for equipment in transit.
TOURING AND EVENT LIABILITY
General liability, event liability, certificates of insurance, additional insured requests, promoter and venue contract requirements, crew workers compensation, hired auto, and non-owned vehicle coverage.
PERSONAL AND LIFESTYLE
Home insurance for musicians, auto insurance, exotic vehicles, collector cars, personal umbrella liability, valuables, jewelry, watches, personal cyber protection, travel risk, and household staff coverage.
BUSINESS AND LIFE
Business insurance for bands and artist LLCs, media liability, professional liability, cyber liability, key person life insurance, band continuity planning, term life, whole life, trust planning, and legacy planning.
QUESTIONS MUSICIANS AND TOURING TALENT OFTEN ASK.
CAN MUSICAL INSTRUMENTS BE INSURED SEPARATELY?
Yes. Musical instruments, vintage instruments, and high-value performance equipment may need scheduled coverage, especially when traveling between venues, stored in transit, used on stage, or kept in locations away from home.
CAN TOURING CREATE INSURANCE REQUIREMENTS?
Yes. Venues, promoters, festival organizers, and event partners may require certificates of insurance, general liability coverage, additional insured wording, and specific limits as a condition of performance agreements.
CAN PERSONAL AND BUSINESS INSURANCE BE REVIEWED TOGETHER?
Yes. Musicians and touring talent often have home insurance, auto insurance, umbrella liability, instrument coverage, business insurance, media liability, cyber protection, workers compensation, and life insurance needs that overlap.
CAN LIFE INSURANCE BE PART OF THE MUSICIAN INSURANCE REVIEW?
Yes. Life insurance planning for musicians and touring talent may include family protection, key person coverage for bands or touring operations, business continuity, trust planning, and legacy planning.
BUILD AN INSURANCE PROGRAM THAT TRAVELS WITH THE TOUR.
Kelly Insurance Group can help musicians and touring talent review instrument coverage, touring liability, event requirements, personal assets, business insurance, and life insurance planning in one organized conversation.
This page is for general insurance discussion only. Coverage availability, terms, conditions, limits, exclusions, endorsements, underwriting requirements, and claim decisions depend on the specific policy, carrier, application, and facts involved.
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Disclaimer: Coverage availability and eligibility may depend on many factors, including underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations. Information on this page should not be relied upon as a substitute for reviewing the actual policy language or consulting appropriate professional advisors. Kelly Insurance Group does not employ, supervise, or direct attorneys.