Cash Benefits for the Stage Accidents That Pull You Off the Road
Stage falls. Amp drops. Vocal cord blowouts. Snapped wrists. When the road stops, the income stops — and that's the gap supplemental coverage is built for. These plans pay cash directly to you, on top of whatever your ACA plan does, so rent and crew payroll don't collapse while you heal.
Coverage Types Built for Working Musicians
Accident Insurance
Lump-sum payouts for ER visits, fractures, dislocations, lacerations, and physical therapy. Pays whether it happened on stage, in load-in, or in the van.
Critical Illness
A cash benefit at diagnosis of a covered condition (cancer, heart attack, stroke). Use it for anything — bills, mortgage, replacing tour income.
Hospital Indemnity
Per-night cash for hospital stays. Pairs especially well with a high-deductible health plan.
Disability for Performers
Replaces a percentage of income when you can't physically perform. Specialty riders cover vocal cord injuries and hand injuries — the parts of you that earn the money.
When These Plans Pay For Themselves
- You carry an HDHP and want a backstop on the deductible
- Your income disappears the moment you can't physically perform
- You're the financial center of gravity for a band or crew
- Your medical plan doesn't cover replacement income (none do)
Ready to see your options?
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