Public Liability for Musicians | Performance Cover NZ
Public liability insurance for NZ musicians and performers. Meet venue requirements, protect against injury claims, and perform with confidence. Get a quote.
Public liability insurance is increasingly required by venues, event companies, and corporate clients as a condition of booking musicians and performers. Beyond meeting requirements, public liability protects you personally if a third party is injured or their property is damaged during your performance — potentially saving you from a financially devastating claim.
What Do NZ Venues Typically Require?
Most professional venues, event spaces, and corporate clients require performers to hold a minimum of $1,000,000 public liability insurance. Many festivals and larger commercial events require $2,000,000 to $5,000,000. Some major venues and broadcasters require $10,000,000 or more.
Does ACC Cover Me If Someone Is Injured at My Performance?
ACC covers bodily injury to New Zealand residents — including audience members who are injured at your performance. However, ACC is a no-fault scheme that does not prevent civil claims, and it does not cover property damage. Public liability insurance covers property damage claims and any legal costs associated with defending injury claims.
What Events Are Covered?
Musician public liability policies typically cover gigs, concerts, festivals, recording sessions, rehearsals, busking, and corporate events. Some policies automatically extend cover globally for international performances. Check your policy wording for any exclusions on high-risk events or activities.
Frequently Asked Questions
Do I need separate insurance for each venue I perform at?
No. An annual musician public liability policy covers you across all performance venues — you simply need to carry evidence of cover (a certificate of currency) to present to venues.
Can I add my instruments and equipment to a public liability policy?
Most specialist entertainment insurers offer combined equipment and liability packages, making it easy to hold one policy that covers both your gear and your performance liability.
Does musician liability cover me for teaching as well as performing?
Policies vary. Some musician liability policies automatically extend to teaching activities; others require a separate music teacher endorsement or professional indemnity policy.
Ready to Get Covered?
Get a personalised quote from a specialist music insurance adviser within one business day.
Get a Quote →Get a Quote
A specialist adviser will be in touch within one business day.