Recording Studio Insurance | Cover for Studios & Home Studios
Recording studio insurance for NZ studios and home studios. Equipment cover, public liability, and business interruption. Get a quote today.
Recording studios represent significant investment — from rare microphones and vintage outboard gear to custom acoustic treatment and monitoring systems. Recording studio insurance protects everything inside your studio against theft, accidental damage, fire, and flood, while public liability cover protects you when clients and artists visit for recording sessions.
What Equipment Can Be Insured in a Recording Studio?
Specialist studio insurance can cover microphones, preamps, audio interfaces, mixing desks, outboard gear, studio monitors, computers and DAW workstations, cabling, and acoustic treatment. Vintage and rare equipment can often be insured at agreed value with specialist valuation.
Do I Need Public Liability for a Home Studio?
If clients or artists visit your home studio, you need public liability insurance. Standard home and contents policies typically exclude commercial activities — meaning if a client is injured in your home studio, your home insurance may not cover the claim.
Does Studio Insurance Cover Business Interruption?
Yes. Business interruption cover can be included in a recording studio insurance programme. If a fire, flood, or other insured event forces your studio to close for repairs, business interruption insurance covers lost revenue and ongoing fixed costs during the period of closure.
Frequently Asked Questions
How do I value my vintage studio equipment for insurance purposes?
For vintage or rare studio equipment, it's worth obtaining a specialist appraisal from a qualified equipment technician or dealer. This agreed value can then be used as the basis for insurance — ensuring you receive the true market value in the event of a loss.
Does studio insurance cover digital files and recordings?
Standard equipment policies typically don't cover digital files or recordings. Media liability or cyber insurance may provide some coverage for data loss, but the best protection for recordings is regular offsite backup.
Can I insure equipment that artists bring to my studio?
Generally, visiting artists' gear is their own responsibility to insure. However, some studio policies include a 'care, custody and control' extension that covers client property while on your premises — worth considering if clients regularly leave valuable gear at the studio.
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