Protecting music composers from as little as £55* per year
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Get a QuoteOur standard cover is:
Here at Professional Saver, we know composing original music poses risks like copyright disputes, loss of critical sheet music and scores, and equipment damage that creative pros need to insure against through tailored coverage. Our Composer Insurance safeguards against:
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We cater policies precisely for risks self-employed composers and freelance songwriters encounter when producing musical works for commercial use, covering areas like:
As a composer or songwriter, you likely work with producers, artists, publishers and other partners who invest in bringing your compositions to market. However, the world of music is complex. If your work fails to achieve expected popularity, streaming performance or sync licensing revenue, you risk facing substantial financial loss claims from collaborators who expected strong financial returns.
Just one claim over lost royalties or alleged creative negligence could leave you facing heavy professional indemnity pay-outs without insurance backing. Our specialist policies give you complete peace of mind that your insurer will fully handle any disputes, injuries or other claims caused by your work.
Our music composer policies provide protection in crucial areas:
This covers any injury or property damage caused while visiting studios, attending performances or during client meetings where you showcase work. For example, accidentally spilling a drink on a mixing desk or faulty rigging leading to gear falling and injuring a session musician.
This pays your legal costs and provides specialist legal representation if you face disputes over alleged creative negligence or contract breaches regarding your work. For example, if a publisher threatens to sue you for an album of compositions not achieving previously agreed popularity metrics.
The policy helps cover lawyer fees and potential settlement monies to resolve such civil claims.
This optional cover provides financial protection if your compositions fail commercially, leading to loss of royalties for publishers or artists investing in your work. For example, if an artist fails to achieve top 10 single status with your track, their label could claim lost publicity payments. Or if your production music fails to gain sufficient sync placements, the library company may sue for unmet minimum guarantees they expected from your catalogue.
Professional indemnity shields you from such scenarios where specific royalty thresholds or commercial performance measures involving your compositions weren’t reached.
We also offer a wealth of additional protections to safeguard your composing livelihood fully, including:
Our composer insurance extends to any co-writers, session musicians, orchestrators or tech support freelancers you bring in to deliver your music commercially under your agreements. This ensures all personnel affiliated with your projects are shielded from potential claims over injuries, property damage, commercial underperformance or other issues that occur.
* Total number of live policies as of 31/10/2025
Music composers partner with producers, artists and publishers who invest substantially in promoting their work. Without insurance, just one dispute over alleged creative negligence or compositions failing commercially can leave writers facing major lawsuits and demands for huge royalty repayments or damages from disappointed collaborators.
Policies cover resulting claims due to lower-than-expected streams, sync revenue or damages from unmet financial expectations.
Public Liability examples:
Yes. Our composer insurance extends to any collaborators, session players, engineers or co-writers you bring in to deliver your music commercially under your agreements. So if an arranger you hired to score parts and prepare performance materials for your concert work makes key errors, leading to issues during rehearsals with the orchestra, our protection would help shield your business from resulting claims by the ensemble or conductor.
Any freelancers creating or handling elements of your compositions would be covered for claims arising from their contribution to your projects.
We cover insurance protection for composers and songwriters working in many commercial areas, including:
Our tailored policies are designed to safeguard those creating works speculatively or to earn royalty income from various performance and synchronisation outlets.
Our worldwide (excluding USA and Canada) coverage ensures peace of mind even if you face challenges with artists, publishers, or other parties overseas during authorised trips. For example, imagine a disagreement erupting during a recording session in Japan, potentially leading to legal action and claims against you.
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
