Hencilla first arranged liability insurance on behalf of members of the Incorporated Society of Musicians in 2003.

Since that time we have arranged the cover each year and overseen the introduction of significant improvements to the cover, such as the introduction of Employers Liability cover in 2005 and the extension of the Public Liability to cover EU resident members in 2008 and Student Members in 2009.

The policy provides Public, Products & Employers' Liability Insurance up to the following limits:

• Public Liability:£10,000,000 any one claim or series of claims from the same originating accident
• Products Liability:£10,000,000 in the aggregate of all claims made against a member during the period of insurance
• Employers Liability:£10,000,000 any one claim or series of claims from the same originating accident

Cover is provided to the member for the following activities:

1. Any activity connected to the members occupation as a musician (including composing, conducting, mentoring, performing, rehearsing, singing or teaching or as a music professional (including music administrator, music technician, music therapist or music consultant).
2. Students undertaking a degree level (or equivalent) course in music for activities connected with their studies or any work as a music professional
3. The organisation and staging of music performances and pupils concerts
4. Any activity undertaken by an ISM local group

For further information about the Incorporated Society of Musicians, or to apply for membership, please visit their website: www.ism.org