This insurance covers you for two things: damage to a location and injury to an uninvolved bystander or audience member. It does not cover your performers, your volunteers, or your company property.
Some possible scenarios:
- An audience member gets hit on the head by a tuba falling off the stage during your performance. They then sue you for medical expenses.
- Your drummer falls off the drum riser and knocks a hole in the wall. The venue requires you to pay for the damages.
When do I actually need it? Most venues will not include you in their liability insurance coverage: instead, they will require that you show a certificate of insurance as proof of your own coverage. Even if it is not required, it’s a great thing to have: $500 now is much easier on the budget than a $500,000 claim in the future.
I’m still waiting to hear back about payment from my last gig and until I have that money my friends are performing for me for free. The insurance companies consider them volunteers. Do them a favor. Volunteer Accident
My booking agent rocks and I have thousands of dollars to pay my musicians. That’s spectacular! Workers' Compensation