New flexible insurance offer for member bands launched

We've launched a new insurance offer for our Member Bands, providing a more flexible and better-value way to protect people, instruments and band assets.

Developed in partnership with specialist insurance broker Brass Band Insurance Services (BBIS), the new scheme allows bands to tailor their cover to their exact needs, rather than being tied to a one-size-fits-all policy. All cover is arranged by BBIS and underwritten by Aviva, one of the UK’s leading insurers.

A better fit for brass bands

Unlike many traditional group policies, the new offer lets bands select the cover that’s relevant to them - such as Public Liability, Employer’s Liability, equipment or cash cover - and set their own limits.

Because the policy is tailored to each band’s individual situation, it can often result in significant savings.

For example, a typical band requiring:

• £5 million Public Liability

• £10 million Employer’s Liability

• £125,000 equipment cover

• £2,000 cash cover (with no single-item instrument limit)

would pay around £670 per year (including Insurance Premium Tax), which represents a competitive alternative to previous offerings. Bands that don’t require Employers Liability, or insure smaller amounts of equipment, could save even more.

Insurance built for brass bands - and their members

The scheme also allows band members to insure personal items, including their own musical instruments or other valuables through a personal policy. This gives individuals additional peace of mind, knowing that both personal and band-owned property can be protected under one trusted scheme.

The new arrangement has been developed following consultation with brass bands across the country. Many groups, particularly youth or community ensembles, reported that previous insurance structures didn’t always reflect how they actually work - especially where they have no paid employees or smaller inventories.

The new approach ensures that every BBE member band can obtain fit-for-purpose cover at a fair price, with the reassurance of working through a brass-band-approved insurance partner.

Luke Stevenson, Director at BBIS, commented: “Brass Band Insurance Services has proudly supported the brass band community for many years, and we’re thrilled to partner with BBE to strengthen our ongoing commitment to its members. Through our collaboration with Aviva, BBE members can enjoy tailored insurance that ensures they only pay for the cover they truly need. Our conversations with BBE have highlighted our shared values—putting people first and delivering the best possible outcomes and service to those we support.”

How to obtain a quote

Contact BBE’s insurance partner BBIS via the BBE Musicians Insurance form. Provide your band’s details, membership number and estimated equipment value. Alternatively, call BBIS via 01246 382 261 where their specialist team will be more than happy to assist you.

Once your BBE membership is confirmed, you will receive your tailored quote directly from BBIS, usually within a few days.

Brass Band Insurance Services is a trading name of Adler Fairways Insurance Brokers Limited. Adler Fairways Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority under Registration Number 309236. Adler Fairways Insurance Brokers Limited is registered in England and Wales under registration number 04525948. Our registered address is Number 22 Mount Ephraim, Tunbridge Wells, Kent TN4 8AS. 303240