Music publishers, composers, arrangers, lyricists, recording companies and performing/recording artists need a broad and comprehensive liability policy that addresses traditional music exposures while anticipating those that are emerging with new technology. Musical artists, publishers and distributors must manage immense pressure to meet their consumers' demands for music distributed through diverse and convenient delivery systems and venues. The integration of music and video technology and advertising has resulted in litigation that has outpaced legal precedent. Intellectual property claims are significant risks in the music industry. Increasingly, musical artists leverage their immense popularity through other media endeavors – movies, public appearances, advertising, producing and managing the careers of young artists. For these complex exposures, nobody offers sound coverage like we do. First Media has developed two different forms to meet the needs of music industry professionals – the Media Advantage Policy® with special music endorsements provides broad occurrence-based coverage for professionals engaged in a mix of music and media activities, and the Music Professional Liability Policy provides claims-made coverage for those dedicated to the music profession. Both polices are backed by an experienced team of professionals who ensure creative expression and the bottom line.

First Media's music liability coverage solutions were developed by media liability and entertainment attorneys with experience in this specialized insurance field. Check to see that your policy:

• Provides coverage for negligence, defamation, privacy, idea misappropriation, copyright, trademark and related unfair competition claims;
• Coverage available on an occurrence or claims-made basis;
• Provides coverage for all sized risks on a primary or excess basis;
• Provides coverage for liability assumed under contract, which extends coverage to third parties, such as distributors, who utilize the Insured's work;
• Provides liability limits up to $5,000,000;
• Provides defense coverage for threatened injunctions;
• Provides coverage for the Insured's music, video, internet, advertising and distribution activities;
• Provides coverage for covered claims that arise anywhere in the world;
• Provides a definition of “loss” that includes punitive damages where allowable by applicable state law; and
• Music insurance solutions on an admitted or surplus lines basis.

Provides a number of coverage endorsements to extend coverage even further, including but not limited to:

• Merchandising Coverage Endorsement - provides coverage for the Insured's merchandising relating to the Insured work;
• Personal Appearance Coverage Endorsement - provides coverage for live personal appearances and performances made by the Insured
• Professional Services Endorsement - provides coverage for scheduled ancillary professional services of the Insured, such as music production for third parties; and
• Music library coverage extends to all of the Insured's musical works.

››Download music applications and policies

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.