Do Choirs Need Public Liability Insurance?
Even small community choirs or informal singing groups can be held responsible if an accident happens during a rehearsal, concert, or event. Public liability insurance protects your choir if someone is injured or their property is damaged as a result of your activities.
It’s especially important if you hire venues, perform in public spaces, or take part in community events, as many organisers and halls will ask for proof of cover before allowing you to perform. Having public liability insurance in place gives peace of mind that your choir is protected should the unexpected occur.
What Does Choir Insurance Include?
Choir insurance protects your people, venues, and equipment, so you can focus on what matters most; singing!
Your policy can include:
- – Public liability insurance – protects your choir if someone is injured or property is damaged during rehearsals, concerts, or events.
- – Employers’ liability insurance – covers employees, conductors, accompanists, volunteers, and anyone helping to run the choir.
- – Equipment and instruments cover – protection for sound systems, microphones, risers, music stands, and instruments against loss, theft, or damage.
- – Venue and contents cover – insurance for rehearsal spaces or offices your choir owns, hires, or uses regularly.
- – Event and travel insurance – cover for when your choir holds concerts, tours, and community performances, whether in the UK or abroad.
- – Money and fundraising cover – protects cash collected at concerts, rehearsals, or fundraising events.
Each policy is tailored to reflect the size of your choir, how often you perform, and the level of cover you need.
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What Our Clients Say
Access had just the policy we needed. Making the arrangements were easy and efficient and the broker Caleb very helpful.
We have used Access for 5 years. Always a very good service. This year we needed to make some changes and the agent really ‘pushed the boat out’ to get us the best deal. Highly recommend.
Very helpful and patient with all our queries, they explained everything very clearly.
Friendly, calm professional from start to finish. James could not have been more helpful with setting up my insurance. Would definitely recommend to others.
How can we help?
We are experienced at arranging choir insurance for groups of all sizes. Whether you are a small choir who meet occasionally to sing or a larger group with regular practice sessions and lots of equipment; we can help.
If you need help understanding the risks you face and the types of insurance cover you require, please contact us on 0333 344 7420. Our specialist team of advisers are here to help you from a simple question to advice on a more complex range of covers.
FAQs
Yes. Even informal or volunteer-led choirs face risks such as accidents during rehearsals or damage to hired venues. Public liability cover ensures you are protected if something goes wrong. A hired venue may ask you to take our public liability insurance as a minimum.
Yes. You can insure microphones, sound systems, stands, sheet music, and other equipment against theft or accidental damage both on site and while being transported.
They can be included under your policy. Employers’ liability insurance protects anyone working under your direction, even if they are unpaid.
Your insurance can include cover for regular concerts, one-off events, and tours, with options for public liability and event cancellation.