Sound Engineer Insurance

Sound engineers play a vital role in delivering clear, professional audio for performances, events and recordings — whether you’re working at concerts, weddings, corporate events, festivals, clubs, theatres, community venues or private functions. But working with audio equipment in public spaces carries risk. A guest could trip over cables, speakers or stands may fall, equipment might cause accidental damage, or venue property could be harmed during setup or sound checks. If something goes wrong, you could be held legally responsible.

Our Sound Engineer Public Liability Insurance provides specialist protection for live sound engineers, mobile engineers, event technicians, audio freelancers and small production teams. The policy covers third-party injury, property damage, legal defence costs, medical expenses and compensation awards — giving you the confidence to work safely without worrying about potential claims.

Cover is available from £1 million to £5 million and is suitable for engineers operating in clubs, pubs, festivals, theatres, hotels, outdoor events, community halls, rehearsal rooms and private venues. The policy is annual only, with the full premium payable at purchase. Annual cover allows you to work at unlimited events throughout the year under one straightforward policy. Documents are issued instantly and are accepted by venues, promoters, organisers and councils across the UK.

Quote Monkey has offered specialist niche insurances since 2011, and we’ve expanded our range to support technical professionals across the creative and events sector. Whether you’re handling live sound, running small PA systems or working regular event bookings, our Sound Engineer Public Liability Insurance keeps you fully protected — arranged quickly and securely online.

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Policy Wording IPID Document

Performers' Public Liability Insurance

Performing in public comes with responsibility — whether you're on stage, at a private function, or entertaining in public spaces. If a member of the public is injured or their property is damaged due to your performance, you could be held legally liable. Even minor incidents can result in costly claims.

At Quote Monkey, our Performers' Public Liability Insurance helps protect you from financial loss if something goes wrong. It covers legal defence costs, medical expenses, and compensation payouts, giving you the confidence to perform safely and professionally.

Performers' Liability Insurance — Possible example claims include:

A child trips over your equipment at a children's party and the parents claim for injuries.
A light stand topples during setup and cracks a venue’s floor.
A member of the audience is burned during a fire act and seeks compensation.
A street performer damages a passing vehicle with juggling gear.
A singer’s speaker falls and injures someone in the front row.

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Performer on stage with audience, protected by performers' public liability insurance from Quote Monkey in the UK

Key benefits of Performers' Liability Insurance:

Protection against third-party injury or property damage claims
Covers legal fees, medical bills, and compensation payouts
Meets venue, council, and organiser insurance requirements
Suitable for musicians, DJs, dancers, magicians, fire acts, comedians, and more
Available as short-term or annual policies
Public liability limits of £1 million, £2 million, or £5 million
Instant documents and proof of insurance emailed to you

At Quote Monkey, we make getting covered fast and simple. Our UK-based policies are trusted by performers nationwide and can be arranged online in just minutes.

Performers' Employers' Liability Insurance

If you hire anyone to assist with your performance — such as crew, helpers, or volunteers — you may be legally required to hold employers’ liability insurance. This cover protects you financially if someone working under your direction is injured or becomes ill during the course of their duties.

This insurance is essential for performers who rely on technical, creative, or physical support during events or tours.

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Backstage crew assisting a performer during event setup, insured with employers’ liability cover from Quote Monkey

Employers' Liability Insurance — Possible example claims include:

A crew member strains their back lifting sound gear and files for compensation.
A lighting tech is electrocuted during setup and requires medical treatment.
A volunteer trips over cables backstage and suffers a serious injury.
A team member falls while setting up staging and claims for loss of income.

Key benefits of Employers' Liability Insurance for Performers:

Meets UK legal obligations if you employ support staff
Covers legal fees, medical treatment, and compensation
Applies to both paid staff and volunteers
Protects your business and professional reputation
Available as an add-on to public liability cover

At Quote Monkey, we provide employers’ liability cover that integrates seamlessly with your performers’ insurance — keeping both you and your team protected.

Cover for Performances at Venues, Events, and Public Spaces

Our cover is valid at a wide range of UK locations including theatres, pubs, community halls, schools, private events, festivals, and public spaces. Your policy includes cover for setup, performance, and pack-down activities.

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Performer entertaining a crowd at a UK festival with public liability insurance arranged through Quote Monkey

Possible venue-related claims include:

A speaker damages the venue’s flooring during setup.
A guest trips over unsecured wires at your performance.
A fire-breathing act causes minor burns to a member of the public.
A backdrop collapses and injures an attendee.

Key benefits of Public Liability Cover for Performers at Venues:

Accepted by UK venues, councils, and booking agents
Suitable for indoor, outdoor, private and public performances
Covers all activities from arrival to pack-down
Valid across multiple UK locations
Instant documentation available to meet booking requirements

With Quote Monkey, you can perform confidently knowing your insurance is ready wherever your next gig takes you — across the UK.

Additional Cover Options for Performers

We also offer optional extras and flexible policy formats to match your schedule, setup, and style of work:

Short-term cover — perfect for single bookings or weekend gigs
Annual cover — ideal for regular performers or touring acts
Equipment insurance — protect instruments, props, and electronics from theft or damage
Group cover — shared policies available for bands, duos, or performer collectives

Please note: all of our policies are valid for UK-based performances only. We do not currently offer cover for overseas events or international touring.

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Street performer juggling fire at a UK event, protected by performers' public liability insurance from Quote Monkey

Whatever your act — from acoustic to aerial — Quote Monkey is here to help you find reliable, affordable cover with instant documentation and friendly support.

What’s Not Covered

Below is a summary of the key exclusions in our Event Liability Insurance. Please refer to the full policy wording for comprehensive details.

Events Held Outside the UK

We do not cover events taking place outside the territorial limits of the United Kingdom, or events where a policy has been purchased for a UK-based event but substantial parts or the main activity occur outside the UK.

Professional Indemnity & Design Faults

This policy is not intended to cover claims arising from professional advice, design faults, or failure of performance. If the actual service you provide (such as sound engineering or staging design) fails, you may need a separate professional indemnity or errors & omissions policy.

Property Belonging to the Organiser or Never Left Their Care

We do not cover personal or company property owned by you (the organiser) that remains in your care, custody or control unless you have taken out the optional equipment cover add-on. This includes items such as electronics, instruments, or stock.

Events Involving Certain High Risk Activities

High risk activities including, but not limited to:

Professional racing or motor sport events (vehicles powered by internal combustion) with more than 50 attendees

Use of explosives or unmanned aerial vehicles (drones) unless explicitly agreed in writing

Stunts involving falls from height over 3 metres unless supervised and certified safety equipment is used

Night-club or discotheque events where alcohol is the main activity and attendance exceeds 2,000 without prior insurer approval

Known Circumstances or Events Cancelled Before Cover

We won’t cover cancellation, postponement or other loss stemming from facts or circumstances you knew about before the policy inception, or where the event has already been cancelled or postponed at the time the policy was arranged.

War, Terrorism (unless endorsed) and Nuclear Perils

Standard cover excludes losses resulting from war, invasion, acts of terrorism (unless an endorsement has been purchased), or nuclear perils. If you require these extensions, please contact us for an enhanced quotation.

Losses Arising from Pollution, Asbestos or Silica

Claims arising from mould, contamination, asbestos exposure, silica dust or long-term pollution are excluded unless caused by a sudden insured event such as storm damage or fire and the policy specifically covers that.

Policy Wording IPID DocumentFrequently Asked Questions – Performers' Public Liability Insurance

Performers' public liability insurance protects you if a member of the public is injured or their property is damaged during your performance or activities. This includes shows, rehearsals, set-up and pack-down periods. It covers legal defence costs, compensation, and medical expenses resulting from third-party claims.

Public liability insurance covers injury or property damage to third parties caused by your performance activities. Examples include a member of the audience tripping over your equipment, or damage to a venue's floor or fixtures during your act. Our policies start at £1 million cover, with options to £2 million or £5 million, depending on the venue or organiser’s requirements

Anyone who performs in public or at organised events should consider public liability insurance. This includes musicians, dancers, DJs, street performers, actors, circus artists, magicians, comedians, and children’s entertainers. Many venues and event organisers will require proof of cover before allowing you to perform.

No, public liability insurance is not a legal requirement for performers. However, it is often contractually required by venues, councils, and event organisers. It also offers essential financial protection in the event of a claim.

Our policies cover a wide range of live and interactive performances, including music, dance, theatre, circus, fire performance, spoken word, children’s entertainment, and more. If you have a specialist act, contact us to confirm suitability.

Yes, we can cover fire performances, pyrotechnics, or specialist acts that include props, rigging, or stunts — subject to safety controls and insurer acceptance. Additional questions may be asked as part of the application process.

Your policy will cover you for performances at multiple UK locations during the insured period. There is no need to declare each venue in advance, provided your activities remain within the agreed description of your performance type.

Our performers' public liability policy does not automatically include cover for equipment. However, we can offer separate cover for portable instruments, sound systems, and props against theft, loss, or accidental damage. Let us know if you’d like a quote for equipment insurance.

Yes. You can take out the policy in your legal name, trading name, performance group name, or registered company name. This ensures it matches the name used in contracts or with event organisers.

Yes. You can add venues, local authorities, or event organisers as interested parties on your policy documents. This confirms that your insurance is in place and protects their interests.

Yes. If you employ assistants, crew members, or support staff, you may be legally required to hold employers’ liability insurance. We can provide this alongside your public liability cover. Just let us know during the application process.

You’ll receive your policy documents and certificate of insurance instantly by email once payment is completed. This can be used as proof of cover when submitting to organisers or venues.

Yes. Quote Monkey is authorised and regulated by the Financial Conduct Authority (FCA number 919070). All policies meet UK regulatory standards and are underwritten by authorised insurers.

Yes. If you cancel your policy before the end of the term and no claims have been made, we will provide a pro-rata refund for the unused portion of your cover.