Music school insurance.

What's covered

• General Liability — students or parents injured on premises, broken equipment, slip-and-falls during lessons or recitals.
• Professional Liability (E&O) — claims that instruction caused a student to fail an audition or harmed their progress.
• Abuse & Molestation — typically required by schools and venues hosting recitals and group classes.
• Property & Instrument coverage — pianos, sound equipment, instruments owned by the school.
• Cyber liability — student records, billing data, and online lesson platforms.

Who we cover

• Private music schools and academies
• Group-lesson studios (guitar, piano, voice, strings, woodwind, percussion)
• Conservatories and performing-arts programs
• Mobile music instructors with multiple staff
• Non-profit community music schools

Frequently asked

Do we need separate coverage for recitals?

Usually no — general liability extends to school-organized recitals at owned, rented, or borrowed venues, subject to your policy's specific terms.

Are visiting instructors covered?

If they're 1099 contractors, ask us — some carriers cover them under the school's policy, others require the instructor to carry their own. Tell us how your school is structured and we'll match you with the right carrier.