Start with your biggest risks: health costs, stolen/damaged instruments, and liability (being sued after an incident).

• Health coverage: doctor visits, prescriptions, emergencies (especially while traveling).
• Instrument & equipment: theft, damage, loss (touring and gigging increase risk).
• Liability: coverage for claims tied to shows, rehearsals, studios, or events.
• Business structure: an LLC can help, but it does not replace insurance.

Questions to ask before you enroll

• Does the plan cover preventive care?
• What is the deductible and what does it apply to (hospital only vs. office visits too)?
• What providers and prescriptions are in network?
• Are there excluded conditions or limitations?
• Does it cover mental health and substance use treatment?
• If you travel: how does the plan handle urgent care/out-of-area?

Texas + music community help (examples)

• HAAM (Austin area): support for eligible working musicians, teachers, and DJs.
• SIMS Foundation (Austin area): mental health services support for musicians and families.
• MusiCares: assistance programs for music community needs (varies by program).

Common approach: many musicians cover instruments through a Personal Articles Policy (PAP) (or similar scheduled property coverage), where you list high-value items and their value.

Typical features to compare

• Per-item limits and policy limits (total coverage cap)
• Worldwide coverage (important for touring)
• Replacement vs. actual cash value terms
• Newly acquired gear: coverage window and reporting deadline (often 30 days)
• Documentation: appraisal or bill of sale for higher-value items

Professional use matters

If you earn money performing and your gear is used in higher-risk environments (bars, clubs, touring), some coverage may need to be placed through carriers or markets designed for higher-risk/professional use. Ask directly: “Is professional gigging/touring covered?”

This information is provided for general educational purposes only and is not legal, medical, or insurance advice. Coverage availability, pricing, and eligibility vary by provider, location, and individual circumstances. Consult a licensed insurance agent and appropriate professionals for guidance specific to your situation.