Live music & Entertainment Insurance

Rising costs and unfair legislation is driving many out of business.

Live Entertainment venues in the UK have been the breeding ground for some of the biggest performers of all time. From musicians like Elton John, to stage greats like Ian McKellen, lots of the world’s most loved entertainers have cut their teeth in our venues. They’re an institution not just in this country, but right across the globe.

So it saddens us that many are under threat. Rising costs and unfair legislation is driving many out of business. In fact, in 2018, 33% of small music venues surveyed in the first UK’s first ‘live music census’ said that increases in business rates and other costs had an extreme, strong or moderate impact on their existence. Pretty shocking statistics.

Live music & Entertainment Insurance

Rising costs and unfair legislation is driving many out of business.

Live Entertainment venues in the UK have been the breeding ground for some of the biggest performers of all time. From musicians like Elton John, to stage greats like Ian McKellen, lots of the world’s most loved entertainers have cut their teeth in our venues. They’re an institution not just in this country, but right across the globe.

So it saddens us that many are under threat. Rising costs and unfair legislation is driving many out of business. In fact, in 2018, 33% of small music venues surveyed in the first UK’s first ‘live music census’ said that increases in business rates and other costs had an extreme, strong or moderate impact on their existence. Pretty shocking statistics.

Our policies include

Award-winning customer service​

Online access to documents​

Flexible payment options

How much is live venue insurance?

This is a question we’re asked all the time, but unfortunately, the answer isn’t very straightforward. Every venue is different and so every venue’s policy will cost a different amount. Any broker worth their salt will tailor a policy that covers you for your level of risk. One-size-fits-all policies simply won’t offer you the protection you need. So instead of asking how much the insurance is, you should first decide which covers you need and then try and get them for the right price.

And after all, perhaps a better question would be ‘how much would it cost to NOT have adequate cover in place’. Could your venue survive with thousands of pounds worth of unforeseen outgoings to deal with?

Wise words from Michael Dawson

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What can NDML cover?

We know that the best part of live entertainment is unpredictability, but we don’t believe in leaving anything up to chance when it comes to your insurance. When you work with NDML to protect your venue, we make sure we know the ins and outs of your business including the size and scope of every risk. We firmly believe that inadequate insurance is as good as no insurance at all.

Our commercial combined policies can include a range of covers including property and material damage, business interruption and business money as well as the public and employers liability.

Entertainment Related News

Useful Links

The NTIA

Join our partner, the NTIA, today to fight against unfair legislation changes and network with other industry professionals

The Safer Business Network

Safer Business Network works closely with businesses both large and small, across the day and night, to ensure our town centres flourish, free from crime.

Venue Insight Magazine

Stay up to date with the latest Venue news with our magazine partners, Venue Insight.

Frequently Asked Questions

There’s a couple of ways to report a claim to NDML; you can either call us during office hours (9-5) or you can fill in a claims form on our claims page. If it’s out of office hours and you’d like to speak to someone, you can call the insurer’s claims team you’ll find their number on our claims page.

You wouldn’t hire a bar manager who only had experience of running shoe shops. So why work with a broker who doesn’t live and breathe late-night leisure. Our competitors have ‘nightclub products’ or ‘late bar arms of the business’; just side-lines to their main operation. Night-time leisure is what we do.

Unrated and offshore investors are brilliant. They really are. They’re cheap and tend to not ask so many questions.

Or, at least, they’re brilliant until they have to actually protect you. Because often, as we’ve found with the collapse of insurers like Gable in recent years, they’re not financially secure enough to actually pay claims. And those questions they didn’t ask tend to leave you uninsured.

We only work with A-rated insurers because they offer the protection, security and strength that your venue needs.