[quote name='fretmeister' timestamp='1505915031' post='3375181']
Because you are a separate entity to the landlord. In other words if a customer is hurt they are going to blame you in any way they can so they don't have to claim on their insurance.
And even if it is just a trip that for example causes a broken wrist - you are going to be paying out a good £10,000 for injury, loss of earnings, any private treatment expenses and the legal fees. If you haven'g got insurance you'll also be paying your own lawyer to make sure the claim was a valid one in the first place.
Trips, electrocutions with your gear, singer throwing something into the crowd, PA stack falling on someone etc etc. None of that is the landlords fault - and even if it was - he will try to shift the blame to you.
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Understand but what length do claimants go to. Looks like a pub band is mostly for fun but all the cost us it worth it financially?