Choir Insurance

Often choir insurance is essential simply because the premises that you want to use (eg. church, community hall or local authority facility) require you to have public liability insurance for the choir to be in place.  The reason that a premises or facility owner asks for this is that they want to be protected in case the choir damages the premises and having an insurance policy for such an eventuality offers some protection.

This public liability cover will also mean that the choir has some protection in the event that a member of the public makes an allegation.  Although such claims might be rare, an audience member might allege that an accident was the fault of the choir and this cover will provide financial support in defending against such an allegation and protection in case a financial payment to compensate the claimant is ever made.

This cover can be extended to include volunteers and members of the choir.  This often requires an employers liability insurance cover.

Some choirs require cover for contents.  These items may be kept at a third party premises or a choir members home and we can advise on insuring property such as gowns, props, production equipment, music and instruments.

We can also discuss the need for trustee indemnity insurance and the protection that this might offer the management committee of a choir.