Insurances for GEMA members
Music creators have specific requirements and need insurance protection that has been specially adapted to them and their lives. In the case of a claim, it should cover you reliably and comprehensively, but at the same time be affordable.
That is why we have been offering our members exclusive and sector-specific insurance packages for a few years now. They have already been received well by many GEMA members.
Together with the insurance brokers, Wulff von Sivers and the most competent insurance providers, depending on the subject matter, for example R+V, Baloise, ERGO, AIG, ARAG and Allianz, insurance packages were put together specially for the music business which are not on offer on the marketplace in such formats. Depending on yor requirements, they can be adapted individually. In addition, we agreed on a framework agreement for the conclusion of pension scheme policies with Allianz. Together with the independent brokers AURES Finanz AG & Cie. KG, you can thus build attractive additional pension schemes in a fully digitised manner.
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Do you want to take a peek?
Find out what an insurance protects you against and what you can actually insure in detail. The video provides you with an insight into our exclusive insurance cover for music creators.
Our insurance packages for members
Third-party liability insurance
Combination of private and professional third-party liability insurance from as little as 4 Euros/month
Equipment insurance
Comprehensive cover for your musical instruments and electronics - at home and while you are on the road
Copyright holder protection
Protection in cases of copyright infringements, violation of image rights and more
Transport insurance and contents insurance
Also for domestic workrooms/studios
Legal cover
Protection in cases of legal disputes for your freelance, professional and personal matters
Event organiser liability
Protects event organisers against claims arising from personal injuries and property damage in connection with an event
20 to 50 percent savings on average
The insurance packages created for our members are comprehensive, highly effective, flexible and favourably priced. There is currently no better offer in the market that is specially tailored to the needs of music creators.
On average, the GEMA packages are, for the same service contents, about 20 to 50 percent cheaper than insurance policies concluded with individual insurance companies. Of course they do, however, depend on the tailoring in each individual case.
The contracts usually run for one year (if no notice is given, they are extended by another year) and can be cancelled actively by the GEMA member subject to a three-month notice period.
Do not just protect your music but also your existence
GEMA copyright: Save more than 100 Euros in 2023
GEMA third-party liability insurance from four Euros per month
A third-party liability insurance is only sensible and useful if all professional activities exercised are included. As a consequence, the GEMA third-party liability insurance therefore includes up to 13 of the most common activities of music creators such as freelance music teacher, performing musician (worldwide), music producer and many more. On top of that, it comprises a private third-party liability insurance (family policy including children) which is exempt of making contributions.
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Frequent questions regarding our insurance solutions
Which insurance solutions does GEMA offer its members?
I am a freelancer. Do I need a professional liability insurance in addition to a personal liability insurance?
What are the terms of contract and how much do the insurance packages cost?
The contracts usually run for one year and are automatically renewed by another year if they are not cancelled. Three-year contracts are also possible upon request ...
