garyrob32

Yes, never rely on a venue's own insurance! Quite often they will have insurance but will rarely cover a visiting band. Even if they say it does, ask to see a copy of their insurance which shows it covers YOUR liabilities and not just the venue's liabilities. Some venues insist on bands having their own cover and this is good enough to make most take out the appropriate cover but in my eyes you need to have this cover for every event you do regardless. Simply putting your equipment on the floor and someone tripping over it could result in an injury that could cost thousands. Everything my liability policy covers is highly unlikely to happen but if it does then I know I'm covered. Just a no brainer for less than £100 a year.