Workers Compensation

Workers comp with music‑industry classifications applied correctly.

Misclassified music businesses routinely overpay for workers comp. We place coverage with carriers that understand the industry — and audit the class codes to keep premiums honest.

What it covers

Medical care and lost wages for work-related injuries and illness
Employer's liability for suits arising from a covered injury
State-mandated coverage in every state you operate
Disability benefits where required by state law
Return-to-work and light-duty programs
Multi-state and monopolistic state guidance

Workers compensation is regulated at the state level. Availability, statutory benefits, and rating rules vary by state; a specialist will confirm what applies to your operation.

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Who it's for

Music retailers with sales, repair, and warehouse staff
Recording studios with engineers and runners
Music schools with instructors and administrative staff
Instrument manufacturers with production employees
Production companies with tour crews and stagehands

Right class codes

We audit for the music-specific classifications carriers often miss.

Multi-state coverage

Coordinated policies for retailers, tours, and manufacturers operating across state lines.

Audit support

We walk you through year-end payroll audits so surprises don't land later.

Ready for a quote or a second opinion?

Tell us about your instruments, studio, storefront, or tour — we'll come back with a right-sized program within one business day.

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