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Music Publisher Insurance

Protecting music publishers from under £55* per year

Not on comparison sites — save money by coming direct to us

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Excellent 4.7 out of 5

Professional Saver Music Publisher Insurance


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Our standard cover includes:

  • Up to £5 million in public liability cover (£1 million as standard with the option to increase)
  • £250,000 legal expenses insurance
  • Worldwide cover for temporary work abroad (excluding USA/Canada)
  • Accidental death cover and other benefits

As a music publisher, having suitable insurance is essential to protect your business activities. Our policies protect you against legal costs, claims, and losses stemming from areas like copyright infringement, loss of recordings, and personal injury. We provide coverage for damage to office property, important documents, master recordings, publishing rights, and more.

Our music publisher insurance packages start from just £55* annually. We offer protection for small to large publishing outfits conducting licensing, recording, distribution, and administrative duties.

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Why choose Professional Saver music publisher insurance?

Save £££ on your insurance Save on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 40 years Trusted for over 40 years

We’ve been providing insurance to businesses since 1984

Financial Strength Financial Strength

Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer

Defaqto 5 Star rated

Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.

Learn more about our Optional Covers

* Due to the specialist nature of your profession, we’ll arrange a separate policy for your professional indemnity cover to complement your Professional Saver policy. Please get a quote online for the other covers you need and contact us to discuss your personalised professional indemnity quotation.

How our music publisher insurance works

1 Apply online

Complete our simple quote form with basic details about your business.

2 Get a quote

Get an instant quote & choose any optional covers you may need.

3 You’re insured!

Instantly activate your Professional Saver policy and view your certificates online.

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What Is Music Publisher Insurance?

Music publisher insurance protects businesses that handle musical works and recordings. It covers the legal liability of publishers against losses in key areas like:

  • Copyright infringement from illegal sharing/performances of works
  • Loss, theft, or damage to musical recordings and documents
  • Injury or damage to third-party property during business activities
  • Loss of income from disrupted publishing operations

This insurance covers legal costs, damages, and settlements if other parties pursue claims against the insured publisher. Adequate protection is vital as legal action from damaged works or unauthorised usages can be extremely costly without comprehensive cover.

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Why Do Music Publishers Need Insurance?

As a publisher, your business revolves around contracts, royalties, recordings, and copyrights. Just one case of copyright breach from illegal downloading or licensing dispute could leave you with crippling legal expenses without insurance. 

Appropriate coverage allows you to confidently pursue usages and handle disputes knowing potential losses have financial backing.

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What Does Music Publisher Insurance Cover?

Our music publisher policies can provide protection against the following:

  • Public Liability – Covers injury or property damage caused during business operations
  • Legal Expenses – Provides specialist lawyers to represent you in covered legal disputes
  • Professional Indemnity (optional) – Safeguards against copyright disputes and financial claims from licensing errors
  • Contents & Business Equipment (optional): Insures against damage or theft of vital equipment like computers and printers

You will be taken through all available options as part of the online quote process.

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What Services Can Professional Saver Cover?

We cater for the insurance needs of publishers conducting:

  • Licensing tracks/songs to labels, streaming platforms, and other third parties
  • Managing royalty collection from the usage of works
  • Producing physical/digital releases of recordings
  • Commissioning remixes and derivative works
  • Clearance of samples used in new compositions
  • Registering copyrights and assigning ISRC codes
  • Transcribing, arranging, and engraving musical scores
  • Song plugging and pitching services

We offer full protection, whether you are an independent outfit or part of a major publishing group.

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Why Choose Professional Saver for Your Insurance?

With over 35 years of experience in commercial insurance, our team offers these benefits:

  • Direct Specialists – We are a specialist business insurer, not a comparison website. Clients work directly with advisors who understand the music publishing sector.
  • 24/7 Legal Helpline – Whenever you need expert legal advice on insurance matters, we are here to help.
  • Monthly Payment Plans – You can spread your insurance costs by paying monthly for any insurance policy costing over £125 per annum.
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Chosen by over 5000 businesses and counting*

Chosen by over 18761 businesses and counting

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our professional cover starts from the date you select.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/10/2025

FAQs

Music Publisher Insurance FAQs

Publishers handle valuable copyrights, recordings, and contracts, so risks around unauthorised use, loss of assets, and legal disputes are substantial without insurance. Specialist cover protects against illegal distribution, copyright claims, and income loss from disrupted operations.

Premiums vary based on the areas needing coverage but typically start from under £54 annually for basic liability protections. For an additional cost, we offer extensive coverage for business equipment and professional indemnity at very competitive rates.

We cover standard publishing duties like copyright administration, licensing works, royalty collection, digital/physical distribution, recording production, sample clearances, score engraving, and related activities. Both independent and traditional publishers can get comprehensive protection.

Yes, our music publisher policies can cover contractors, session musicians, producers, and other personnel conducting publishing activities on your behalf. This ensures complete protection for core staff and external contributors across liability, errors, and negligence risks.

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What our customers say

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