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Musician Insurance in Ontario

Instruments, gigs, and gear — covered on the road.

Working musicians travel with valuable, fragile inventory — instruments and rigs stolen from vans rank among the most common music-business losses — while venues increasingly require performer liability certificates.

We cover musicians, bands, and teachers with instrument floaters and gig liability in one policy.

What the package includes

Instrument and gear coverage, worldwide, including vehicle theft
Commercial general liability (CGL) for third-party injury and property damage
Event liability, including set-up and tear-down days
Professional liability (E&O) for claims arising from your advice or service

Good to know

Frequently asked questions

Is my gear covered in the van overnight after a gig?: Vehicle-theft conditions vary sharply between insurers — some require out-of-sight storage or exclude overnight entirely. We place musicians with wording that matches touring reality.
How much does musician insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get musician insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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Frequently asked questions

Is my gear covered in the van overnight after a gig?

Vehicle-theft conditions vary sharply between insurers — some require out-of-sight storage or exclude overnight entirely. We place musicians with wording that matches touring reality.

How much does musician insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get musician insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.