Why Do I Need Liability Coverage?
Many facilities now require musicians to provide their own liability insurance when performing on site. This may leave you doing research to find an insurance company that offers “special events coverage” which may also cost more. The American Federation of Musicians offers you an economical and convenient solution . . . the Musicians’ Business Liability Insurance Plan.
How Much Coverage Does the Plan Provide?
This policy provides up to $1,000,000 for each occurrence and up to $2,000,000 of aggregate coverage for lawsuits resulting from bodily injury and property damage for which you might be responsible. This includes coverage for claims of bodily injury, personal injury, property damage . . . even if the charges are false or fraudulent!
In addition to the limits above, this policy also pays all court and legal defense costs for a covered claim.
What Types of Lawsuits Might the Plan Cover?
Some examples are listed below for suits arising out of:
Never Pay a Deductible!
The AFM Musicians' Liability Insurance Plan does not require a deductible. All claims will be defended on a first-dollar basis - you won't have to pay a cent! Compare this Plan with similar coverage! Many insurance companies offer large deductibles to keep costs down, however, the Musicians' Liability Insurance Plan is already economical - even without a deductible option. Quality, economical insurance, made available to you through AFM group buying power.
Priced for You
Since no two AFM members are alike, the Insurance Administrator has designed this Plan so that each applicant will receive a quotation unique to their situation. Costs vary by state of residence and annual gross receipts.
Complete a downloadable application for a no-obligation quotation.
The material on this web site explains the general purpose of the insurance but in no way changes or affects the policy that is actually issued. Complete details may be found in your insurance policy.
All AFM Members in good standing with the Association including those who operate as Independent Contractors, Clubs, Chapters and State Affiliates in all states. This includes individual and group musicians.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
What are the coverage limits?
Commercial General Liability coverage is provided as follows:
Each Occurrence Limit: $1,000,000
Products/Completed Operations Aggregate Limits: $1,000,000
General Aggregate (Other than Products/Completed Operations): $2,000,000
Fire Damage Limit (Any one Fire): $100,000
Medical Expense Limit: $10,000
What is the minimum premium?
Due to the AFM group buying power, this valuable coverage is available for a minimum premium of only $250.00. The individual members' premium is based on the state of domicile and gross annual receipts.