Music instruction comes in all shapes and sizes. So should the insurance.
From a small home-based studio, to leased space inside a music retailer, to lessons in schools, to a full-sized music school — the method and scale of lessons vary widely. We have a solution for that.
The two options below take you directly into an insurance quoting portal, and in most cases return a quote immediately. When the quote is generated you'll have the option to issue and pay for the policy — it only takes a few minutes.
Do you work alone? Is your number one priority to cover any mistakes or errors that may occur from the professional services you provide? This is the option for you.
Are you an entrepreneur who has turned your passion into a business? Do you have inventory, or equipment you're concerned about protecting? This option is for you.
*Home-based business is often not covered by your homeowners insurance.
Many schools, churches, community centers, and rental spaces require proof of general liability before you can teach on site, and parents increasingly ask. Even without a requirement, a single injury or damaged-instrument claim is expensive to handle alone.
Generally no. Homeowners policies exclude business activities conducted in the home, so a student injured during a lesson is typically not a covered claim. Home-based teachers need a separate policy.
General liability responds to bodily injury and property damage — a student trips, or you damage a client's instrument. Professional liability responds to allegations about the instruction itself. Teachers commonly carry both.
In most cases, yes. The instant-quote options above can issue coverage online, and certificates of insurance are available for venues that require them.
Typically yes — coverage generally applies wherever you teach, including students' homes, schools, and rented studio space. Confirm any venue's specific insurance requirements with us before you sign.
Tell us about your instruments, studio, storefront, or tour — we'll come back with a right-sized program for your business.