Cover Notes

We are Cover Notes, a specialist insurance provider dedicated exclusively to the UK music trade, operating as a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Our team has cultivated over 30 years of collective commercial insurance experience, with specific expertise in music trade cover dating back to our founding in 1998. We specialise in designing tailored insurance policies for every segment of the music industry, including retailers, wholesalers, manufacturers, piano tuners, teaching schools, repair workshops and allied trade operators. Our problem-solving approach centres on understanding the unique risk profiles of each individual music business, rather than offering generic, one-size-fits-all policies. We maintain rigorous professional standards, adhering to all Financial Conduct Authority regulations and industry best practice to deliver fully compliant, reliable cover. Our specialist policies include tailored features such as reduced standard policy excess for members of the Music Industries Association (MIA) or Clarity (formerly BADA), lowering to 100 at time of loss for eligible clients, compared to the standard 200 excess for buildings and contents cover.

We collaborate closely with industry bodies including the MIA and reputable UK insurers to ensure our policies offer the reassurance and protection music trade operators deserve. Our commitment to client satisfaction means we invest time in listening to each clients specific needs, to score and adjust policies to align perfectly with their individual business requirements. We prioritise transparent, straightforward communication, ensuring all clients fully understand the terms, coverage and limitations of their policy at all times. As part of the Howden UK Brokers Limited group, we combine the resources and expertise of a large, established insurance broker with the personalised, specialist focus of a niche music trade provider.