Public Liability Insurance for Music Publishers

Why Music Publishers need liability insurance

By publishing music, you are helping budding stars reach out and show off their musical talents to the world, you would not want to be in a place where an accident can leave you in financial uncertainty. Simply leaving a file on the floor could cause a member of the public to trip and injure themselves. This is why public liability insurance is crucial.

It protects you from the cost of any unexpected incidents that music publishers could be liable for, which could result in financial difficulties for you and your company. Public liability insurance for music publishers is not compulsory but essential to ensure your business’ longevity.

Common types of claims

• A Customer trips over a wire from your equipment and breaks their ankle
• You spill a coffee on a clients laptop which now needs replacing
• You floor carpet tiles have come loose in your office, a member of the public trips and hurts their wrist

This cover is optional but Ashburnham recommends that you certainly consider having it. You are bound to give advice to clients from time to time and you are also providing them with a service. If a mistake is made and you are found to be negligent or your advice is not correct, they may seek financial compensation from you Professional Indemnity provides cover for the legal costs in defending the claim as well as compensation to the client to rectify your mistake.

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