[quote name='simon1964' timestamp='1414071116' post='2585492']
Personally I get cover through Music Guard - that covers my instruments for theft and accidental damage but also provides competively priced PL cover. Two birds with one stone.
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I got my equipment insurance from Music Guard, it came with PLI included. £14k of gear covered & £2 million PLI for £400, and I got somebody else named on the policy too. I did the deal on their website but I did make three phone calls to get some questions answered and I found their staff to be really helpful and friendly. They weren't working from scripts and I couldn't fault them.
One of my questions to them was who is or isn't covered by my insurance and PLI. The answer was this - if a punter falls into our gear and hurts himself, it's his fault, his problem, he won't get a payout on my policy. If he knocks gear over and damages/breaks it, I'm covered for the repair/replacement. If he knocks gear onto another punter/musician and they are injured, they are covered but he still isn't. I do take a lot of care at gigs to make sure leads are taped down and stands have yellow & black warning tape on them, at least I'd doing my best to not be the cause of somebody tripping over my gear. Thankfully I haven't had to make a claim, so I can't comment on payout or responsibility issues.