Musicians’ Health Insurance Options
Musicians, often self-employed, have limited health insurance choices. Some organizations offer plans: AFTRA, AFM, NARAS, BMI, ASCAP. The Artists’ Health Insurance Resource Center directs musicians to state plans, free clinics, more help.
A2IM Membership Benefits
The American Association of Independent Music (A2IM) added health insurance availability to its $99/year Artist Pro membership. Now members access the A2IM Benefits Store for health insurance and dental, vision, renters, pet, legal services insurance. Billboard reports 30 A2IM member companies enrolled in September 2022.
Musicians’ Insurance Coverage
Musicians’ insurance averages $300 – $600 per year for $1 million general liability coverage. It covers accidental damage, loss, theft of instruments. Extensions cover earnings loss up to 52 weeks, equipment hire, breakdown. It also protects home insurance no claims discount.
Do Music Artists Have Insurance?
In 2010, 33% of 1,450 surveyed musicians lacked health coverage, versus 49% of Americans insured through employers. As competitive contractors, many musicians opt out. But options exist if you search. Healthcare Resources for Musicians.
Health Insurance Considerations
Do record labels give artists health insurance? Health insurance options exist for musicians. Consider employer-sponsored plans, state plans, free clinics, help from musicians’ organizations and unions. Major labels may provide coverage. Check if unions you belong to help with referrals. Since 2010 law, health insurance is required for most Americans. Liability insurance helps if someone gets injured during performance or lesson. Accidents happen. Coverage helps safeguard against risks. Moreover, musicians travel extensively for gigs and tours. Music insurance covers various industry risks like property damage, liability claims, business interruption losses. Rates vary based on coverage purchased. Consult a specialist to ensure adequate, affordable protection.