Do Music Bands Really Need Liability Insurance?
Well you're not breaking the law by not having it, however ....
What if something untoward happened at the event and you, or a member of your band, were deemed responsible? It could be damage to the venue with a repair bill of thousands to rectify or, worse still, someone is injured and there are medical bills, compensation and (ouch!) hefty legal bills to pay.
Without Liability Insurance you would be expected to foot those bills yourself and, whilst a claim for a couple of thousand pounds probably won't lose you much sleep, what if it were for tens of thousands of pounds, or more?
"It'll never happen to us, we're always careful".
With todays' Health & Safety Laws & guidelines everyone in the band needs to be aware, but we're all human. Lapses, errors of judgement and silly mistakes are all part of human nature from which no-one is immune; therefore no-one can guarantee that a liability event and claim will never happen at some point in your musical career.
The number of venues and events where Public Liability Insurance is required before you can play there is also at an all time high (for good reason as their insurance will not cover you). Bands without PLI cover will find that they'll lose out on bookings and as the PLI cover for bands is so easily available and at such a low price, compared to the cover provided, it does make sense to have it; whether it's required or not.
See also these topics: Public Liability Insurance - What do gigging bands need ? and Insurance and Running a Band
Health & Safety Advice
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