American Federation of Musicians
Business Liability Insurance Plan
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Policy Highlights
About the AFM Business Liability Insurance Plan
The AFM Business Liability Insurance Plan provides you with up to a $2,000,000 aggregate limit each year. With the AFM Business Liability Insurance plan you're covered for:
  • Suits arising out of covered bodily injury which occurs on or off premises as a result of your business activities.
  • Suits arising out of covered damage to property of others resulting from your musicians business activities.
  • Suits arising out of personal injury and advertising injury, including libel, slander, defamation of character, false arrest, detention and malicious prosecution.
  • Suits arising out of products liability resulting from the sale and/or serving of food and beverages or other products.
  • Suits arising out of host liquor liability when serving or giving alcoholic beverages at functions incidental to your business.
  • Suits arising out of real or alleged faults in work completed by or for your business resulting in bodily injury.
  • Suits arising from injury caused by the rendering of or failure to render health care services by non-professionals.
  • Suits arising from fire damage liability for up to $100,000 for which you are legally liable for.
  • Defense against such suits even though the charges made may be groundless, false or fraudulent.
No Deductible
The AFM Musicians' Liability Insurance Plan does not require a deductible. All claims will be defended on a first-dollar basis - you won't have to pay a cent! Compare this Plan with similar coverage! Many insurance companies offer large deductibles to keep costs down, however, the Musicians' Liability Insurance Plan is already economical - even without a deductible option. Quality, economical insurance, made available to you through AFM group buying power.
Priced for You
Since no two AFM members are alike, the Insurance Administrator has designed this Plan so that each applicant will receive a quotation unique to their situation. Costs vary by state of residence and annual gross receipts.

Complete a downloadable application for a no-obligation quotation.

The material on this web site explains the general purpose of the insurance but in no way changes or affects the policy that is actually issued. Complete details may be found in your insurance policy.
Eligibility
Member
Where available
Coverage is available in all states.  
Notes
This Plan has been designed for those AFM members who operate as independent contractors. This includes individuals who perform alone or with a group. Only members who have paid their current year's AFM dues qualify. (Payment of dues will be verified by AFM before your application is approved.) 
FAQ
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Contacts
Program Administrator
Title: Mercer Consumer
Address: PO Box 14575
Des Moines, IA
50306
Phone: 800-503-9227
Email: PLSDSTeam.service@mercer.com
Hours: 7:30 am to 5 pm M-F (Central)
Website: www.mercer.com
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