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At Primo, we like all our clients to feel this way

Recording & Rehearsal Studio Insurance:

Protect Your Creative Space

As a studio owner or operator, your passion for music and sound is your business. At Primo, we understand the unique blend of artistic energy and technical complexity that fuels recording and rehearsal studios. That's why we offer tailored insurance solutions to protect your creative haven, your valuable equipment, and your livelihood.

Comprehensive Coverage for Your Studio's Unique Needs

Whether you operate a bustling multi-room studio or a cosy home-based setup, Primo can arrange insurance that matches your specific requirements. Our bespoke policies are designed to protect every aspect of your business, ensuring you can focus on producing exceptional music without worry.

Key Protection for Recording and Rehearsal Studios

  • Musical Equipment Insurance:

    Safeguard your most valuable assets – your instruments, recording equipment, and accessories – against theft, accidental damage, or loss. Whether it's a vintage guitar, a state-of-the-art mixing console, or essential microphones, our comprehensive cover ensures your creative tools are protected.
  • Premises and Contents Insurance:

    Protect your studio space and its contents from unexpected events like fire, theft, or water damage. This includes coverage for your building's structure, furniture, fixtures, and any other items essential for your business operations.
  • Public Liability Insurance:

    Shield your business from the financial burden of claims arising from injuries or property damage suffered by third parties on your premises. This is crucial protection, as clients, guests, and even passers-by can potentially make claims against your studio.
  • Employers' Liability Insurance:

    If you employ staff, this cover is a legal requirement. It protects you from compensation claims if an employee is injured or becomes ill due to their work in your studio.

Additional Coverage Options to Enhance Your Protection

  • Accidental Damage & Theft:

    Extend your equipment coverage to include accidental damage, ensuring protection from unforeseen mishaps.
  • Business Interruption:

    Safeguard your income in the event your studio is temporarily unable to operate due to a covered event, such as a fire or flood.
  • Legal Expenses:

    Cover the cost of legal representation and other expenses if you face a legal dispute related to your studio operations.
  • Personal Accident:

    Provide financial support for you or your employees in the event of an accident resulting in injury or disability.
  • Equipment Hire Costs:

    Cover the cost of hiring replacement equipment while yours is being repaired or replaced after a loss.

The Primo Advantage: Partner with an Expert

Navigating the complexities of insurance can be daunting. That's where Primo comes in. Our experienced brokers specialise in the music and entertainment industry. We understand your unique needs and risks, and we'll work closely with you to craft a policy that provides comprehensive protection at a competitive price.

Get a Personalised Quote Today

Your studio is your passion. Let us help you protect it. Contact Primo today for a free consultation and a tailored insurance quote that fits your specific requirements. With the right coverage in place, you can confidently focus on creating extraordinary music.
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Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
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Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further request a callback.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further, request a callback.

Recording Studio Insurance FAQ: Your Guide to Protecting Your Creative Investment | Primo

  • What is recording studio insurance, and why do I need it?

    Recording studio insurance is a specialised insurance package designed to protect recording and rehearsal studios from various risks. This includes protection for your premises, equipment, and potential liabilities arising from your business operations. It's essential because studios house valuable equipment, often host clients and musicians, and face unique risks like sound equipment damage, theft, or accidents on the premises.
  • What are the essential types of insurance coverage for recording studios?

    • Business Equipment Insurance: Covers the cost of repairing or replacing expensive musical instruments, recording gear, computers, and other equipment in case of theft, damage, or loss.
    • Public Liability Insurance:Protects you from claims of bodily injury or property damage caused to third parties, such as clients or visitors, on your premises.
    • Employers' Liability Insurance: A legal requirement if you have employees, this covers compensation claims if an employee is injured or becomes ill due to their work in the studio.
    • Buildings and Contents Insurance: Covers your studio building and its contents, including furniture, fixtures, and fittings, against damage from fire, theft, flood, and other covered perils.
  • Do I need additional coverage if I rent out my studio to other musicians or producers?

    Yes, if you rent out your studio, you'll likely need additional coverage to protect against potential damages caused by renters, such as equipment misuse or accidental damage to the studio space. You might consider adding a "hirer's liability" clause to your policy.
  • What factors affect the cost of recording studio insurance?

    Several factors influence the cost of your insurance premiums:
    • Value of equipment: Higher value equipment will require higher coverage limits, increasing the premium.
    • Size and type of studio: Larger studios or those with more complex equipment may have higher premiums.
    • Location: Studios located in high-risk areas may face higher premiums.
    • Claims history: A history of claims could lead to increased premiums.
  • Does studio insurance cover damage caused by power surges or electrical problems?

    This depends on the specific terms of your policy. Some policies may include cover for electrical damage, while others may require an additional endorsement. Check with your insurance broker to confirm.
  • Is business interruption insurance necessary for recording studios?

    Business interruption insurance is highly recommended for recording studios. If your studio is temporarily closed due to a covered event like fire, flood, or equipment failure, this insurance can replace lost income and help cover ongoing expenses, ensuring your business can recover.
  • What are the typical exclusions in a recording studio insurance policy?

    Common exclusions may include:
    • Wear and tear of equipment
    • Damage caused by intentional acts or neglect
    • Loss or damage due to war, terrorism, or nuclear events
  • How often should I review my studio insurance policy?

    It's best to review your policy annually or whenever you make significant changes to your studio, such as adding new equipment or expanding your services. This ensures your coverage remains adequate and up-to-date.
  • Can I get a discount on my studio insurance if I have installed security systems?

    Yes, many insurers offer discounts for studios with security measures in place, such as alarm systems, CCTV cameras, and secure door locks. These measures demonstrate a commitment to risk reduction, which can lead to lower premiums.
  • What should I do if I need to make a claim on my studio insurance policy?

    Contact your insurance broker or insurer immediately to report the incident and provide all relevant details. They will guide you through the claims process and help you get the compensation you're entitled to.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further, request a callback.

Other policies for your consideration.

As well as entertainers insurance we are also able to arrange cover for various other things for your business from commercial vehicles to equipment cover.
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Business Premises

Whether you have a small lock-up or a large warehouse you will need to insure it if insurance isn't already covered under an existing policy. We can arrange stand alone insurance cover for commercial properties.

Leisure Equipment

We can arrange insurance cover for a wide range of equipment used under the heading of leisure. See our bouncy castle insurance page for a list of the most popular items and a description of the policy.
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Commercial Vehicles

If you use a vehicle to transport equipment you'll probably need a commercial vehicle insurance policy. We can arrange cover for single vehicles or fleets of 5 or more vehicles, for more details on single vehicle cover please click the link below.
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