Insurance for the room, the gear, and the clients who track in it.
A standard business policy rarely contemplates a vintage console, a mic locker, or an artist's rig left overnight in your live room. We place studio programs that do.
Rarely, once the studio is a business. Homeowners forms limit or exclude property used for business purposes and typically won't respond to client-owned gear or a liability claim from someone in your space. A commercial studio program is the right home for that exposure.
It responds to damage to instruments and rigs an artist leaves in your room. Your general liability policy generally excludes property of others in your care, so this is added specifically rather than assumed.
It's worth carrying. Professional liability responds to allegations of errors in the work itself — a corrupted delivery, a missed spec, or a lost session — which general liability does not cover because there's no bodily injury or physical damage.
Yes. Home-based and project studios operating as a business are commonly written, and it's usually a small policy. Tell us whether clients come to the space, since that changes the liability piece.
Data is handled through cyber and electronic-data coverage rather than standard property, which contemplates physical damage. We can add limits for restoring session files, client records, and backup systems.
Tell us about your instruments, studio, storefront, or tour — we'll come back with a right-sized program for your business.