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Insurance for Bands & Music Professionals

You play the gigs.
We’ll handle the "What-ifs."

Simple, low-cost insurance for bands, managers, and touring crews.

What Do You Need to Protect?​

No jargon. No inflated premiums. Just the cover you actually need.

The Box-Ticker

Public Liability

More and more, venues and festivals won’t let you past the stage door without a proving you have your own Public Liability Insurance. If a fan trips over your lead or a speaker stack tips, you’re the one held responsible.
Our Offer

We make it fast, affordable, and easy to understand. We’ll get you the certificate you need to play without the headache.

from $160/year

The Lifesaver

Equipment & Instruments

Your gear is your livelihood. If your van is broken into or your vintage kit is smashed in transit, most home insurance won’t pay a cent because it’s “commercial use.”

Our Offer

We help protect your instruments and PA so if the worst happens, you aren’t out of pocket and can keep playing.

from $145/year

The Touring Essential

Travel Insurance

Touring is chaotic enough without cancelled flights, lost luggage, or getting sick overseas. This covers the “normal” travel stuff but built for the road.

Our Offer

We make sure you aren’t stranded or out of pocket when the tour schedule goes sideways

from $500/year

The Pro-Shield

Promoters & Managers

If you’re managing acts or promoting shows, you’re at risk of “Professional Indemnity” claims—essentially, being sued for bad advice, mismanagement, or breach of contract.

Our Offer

We combine Professional Indemnity and Public Liability into one neat package to protect your business from the “legal blowback.”

from $600/year

3 Steps to Getting Covered

STEP 1

Tell us about your act

Fill out the appropriate form - it takes about 2 minutes
 

STEP 2

We check the market

We look at the options to find the best premium

STEP 3

You’re protected

We send you your documents in plain English. No jargon, no "gotchas."

Common Questions

Do I really need Public Liability to play gigs?

Much less likely at small venues but getting requested more often by larger venues and nearly all festivals. A venue’s insurance typically covers their building and staff, not you. If your gear causes an injury or a fire, the financial responsibility sits with the band.

As soon as you receive money for a gig, your gear is classified as “professional equipment.” Most standard home and contents policies specifically exclude items used for earning an income.

It protects you if a client (or a third party) claims you made a mistake that cost them money—like a missed contract deadline or an error in a tour budget. It covers your legal costs and any settlements.

Usually, travel insurance has low limits for “luggage.” For high-value instruments, we always recommend pairing Travel Insurance with our specific Equipment Cover to make sure you’re fully protected.

Ready to Load In?

Let’s get the paperwork out of the way so you can focus on the music.

Proof that we’ve got your back.

ExcellentGoogle star 1Google star 2Google star 3Google star 4Google star 55.042 reviews
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Excellent42 reviews

© 2026 Luma Insurance. All rights reserved.

Luma Insurance is a trading name of Brunswick Enterprises Pty Ltd. CAR No. 001315571 of General Insurance Brokers of Australia Pty Ltd (AFSL 342546).

Information on this website is factual and general advice only. It does not take into account your objectives, financial situation or needs. Before acting, you should consider whether it is appropriate in light of your circumstances and read the relevant Product Disclosure Statement (PDS).

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