The Top Insurance Providers for Musicians, Bands, and Recording Studios in 2025
In 2025, whether you’re tracking songs in your home studio, live‑streaming a virtual concert, or touring on the road, your instruments, gear—and digital masters—face more than just physical risks. From theft or damage, to cyber‑ransom threats and live‑stream liability, the right policy keeps your livelihood protected day and night. Below are seven top providers—each with solid reviews and years of experience—that tailor coverage for solo performers, touring bands, and commercial studios alike. Use this as your springboard for quotes, then compare policies side‑by‑side to find the best cost‑to‑coverage ratio for your needs. Let’s dive in!
Heritage Insurance Services Inc.
2025 Highlights: Live‑stream liability add‑on covers equipment failure, copyright claims, and site outages.
What They Cover: Guitars, keyboards, brass, woodwinds, plus accessories (amps, audio/video gear, cases).
Why Musicians Like Them: Customizable policies for players, collectors, makers, repair shops, and dealers—new or vintage. You can get a custom plan for the exact gear you need insured.
MusicPro Insurance
2025 Highlights: No exclusions or limitations for theft from a vehicle.
What They Cover: Instruments, recording equipment, computers, microphones.
Deductible: Low $100 per incident deductible—ideal for freelancers and home studios.
Anderson Musical Instrument Insurance Solutions, LLC
2025 Highlights: Built‑in flood, fire, and earthquake coverage at no extra cost.
What They Cover: All instrument families, sheet music, scores, texts—ideal if you’ve got an extensive library.
Why It’s a Good Choice: Trusted by major orchestras and commercial studios worldwide.
Clarion Associates Inc.
2025 Highlights: Worldwide coverage for over 13,000 musicians—now with a dedicated 24/7 claims hotline for live events.
What They Cover: Instruments, sheet music, accessories, demo equipment.
Why It Stands Out: "Valued At" Claim Basis: The amount you insure is the amount you collect. No negotiating for replacement cost.
HUB International
2025 Highlights: Policies for rehearsal & performance spaces, plus film, photography, and event‑venue coverage.
What They Cover: Instruments, equipment, liability, property damage—right up to million‑dollar limits.
Why It Works for Studios: One‑stop shop if you also rent or operate creative spaces.
⬇️ New for 2025 - Gig and live-stream insurance options:
Simply Business
2025 Highlights: All‑in‑one gear + general liability bundle starting at $29/month.
What They Cover: Studio gear, office equipment, business interruption, live‑stream liability.
Why It’s Great in 2025: Flexible monthly plans—add or remove coverage as your projects change.
Thimble
2025 Highlights: On‑demand, pay‑as‑you‑go liability for $5/hour gigs.
What They Cover: Event liability for pop‑up shows, workshops, one‑off sessions—and it auto‑bills only for the time you need.
Perfect For: Touring musicians who hit dozens of small‑venue gigs each month.
How to Choose & Next Steps:
Compare apples to apples: When you request quotes, confirm each policy’s limits, deductibles, and covered perils.
Lean on reviews: All the above average 4 or 5‑star ratings online and many hold A+ BBB scores.
Get 2–3 competing quotes: I recommend reaching out to 3 or more to compare general rates. By doing this, you can save quite a bit and still get excellent coverage.
Ready to lock in your coverage? ⬇️
At Drum Arsenal Productions, I’ve insured everything from vintage Gretsch drumsets to full studio setups—having your gear insured is one of the best steps you can take to make sure your livelihood is protected.
Have you worked with any of these companies? Or do you have another insurer I should add to the list?
Let me know in the comments!
