Business Liability Insurance Plan

Business Liability Insurance Plan  


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:

  • bodily injury which occurs on or off premises as a result of your performance;
  • damage to property of others resulting from your performance;
  • personal injury and advertising injury, including libel, slander, defamation of character, false arrest, invasion of privacy, detention and malicious prosecution;
  • product liability resulting from the sale of food and beverages at functions incidental to your business;
  • host liquor liability when serving or giving alcoholic beverages at functions incidental to your business;
  • real or alleged faults in work completed by or for your business which resulted in bodily injury or property damage;
  • injury caused by the rendering of or failure to render health care services by non-professionals; and
  • fire damage legal liability for up to $100,000.
  • Defense against such suits even though the charges made are groundless, false or fraudulent.

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.


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.

Who is Eligible to Apply for This Coverage?

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.
Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

PO Box 14542
Des Moines, IA 50306
  M-F 8a-5p CT
[email protected]

How to Report A Claim

Any situation which may result in a claim should be reported immediately to:


Email: [email protected]

Phone: 1-877-464-1722