[quote name='Dad3353' timestamp='1425556869' post='2708515']
Surely only the permanent members are concerned, not the ones that turn up just once..? How about guests..? Spouses..? Parents that drop in to hear how it's going..? Everyone that walks in has to be covered..? Seems a bit extreme to me. The 'official' band members I could understand, but not each and every attendee, I'd have thought.
[/quote]
It's just what I read from the OP, that there are no permenant band members yet, so the insurance needs to cover whoever is playing at that time