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Tailor-made insurance for music schools
Music schools welcome students of all ages, handle expensive instruments, and hold public events. Specialized insurance is essential to cover the risks related to civil liability, property damage and unforeseen events related to educational and artistic activities.
Why is the right insurance essential for a music school?
- Handling of valuable instruments : pianos, guitars, violins, electronic equipment.
- Premises open to the public : students, parents, visitors to concerts or auditions.
- Risk of injury : falls, improper handling of an instrument, etc.
- Varied staff : permanent, contract or guest professors.
- Outdoor activities : concerts, workshops, music festivals or courses.
Essential guarantees to include in your contract
| Guarantee | Description |
|---|---|
| Civil liability | Protects against claims for injury or damage to others. |
| Instrument insurance | Covers loss, theft or damage to instruments. |
| Professional Liability | Protects against pedagogical or organizational errors. |
| Premises insurance | Covers material damage to buildings and equipment. |
| Special Events | Extension to cover concerts, auditions or off-site shows. |
Why compare insurance for your music school?
- Receive several quotes adapted to your artistic reality
- Save time with a quick analysis of the best offers
- Benefit from personalized advice offered by specialized brokers
- Avoid coverage gaps often found in generalist policies
Which property and casualty insurers offer suitable coverage for music schools?
| Insurer | Offer for music schools | Assessment (★★★★★) |
|---|---|---|
| Intact Insurance | Yes | ★★★★★ |
| Promutuel | Yes | ★★★★☆ |
| Beneva | Yes | ★★★★☆ |
| The Unique | Yes | ★★★★☆ |
| The Capital | Yes | ★★★★☆ |
Une école de musique a-t-elle besoin d’une assurance spécialisée ?
Yes, because of the presence of expensive instruments, public activities and many students.
IN BRIEF
Music School Insurance
Music schools insure their instruments (often $50,000 to $200,000), soundproof rooms, instruments on consignment/rental, and RC for individual and group lessons.
Particularity: old stringed instruments (violins, vintage guitars) must be listed by name with approved value. A lump sum cover is not enough for these valuable coins.
Les instruments sont-ils couverts en dehors de l’établissement ?
Yes, if the cover is extended for travel (e.g. concerts or external courses).
L’assurance couvre-t-elle les professeurs invités ou indépendants ?
Yes, by declaring them in the police. It is also possible to include them in professional liability.
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