Author Topic: Public Liability Insurance (Read 6322 times)

38thBeatle · « **on:** February 06, 2006, 08:09:31 PM »

Hey guys- have any of you who gig regularly in the UK ( or even irregularly for that matter) been asked to show that you have Public Liability insurance ( I wont go into the detail of what it is unless you want me to but basically it covers an artist/band against claims for injury or damage claims- ie. some inebriated punter tripping over a cable en route to the toilets and then trying to sue you for it). We have recently had this thrown at us- the first time in well over 20 years of gigging. The Musicians Union does it but we are not members.

jt · « **Reply #1 on:** February 06, 2006, 09:56:16 PM »

:D Hi mate i gig at least once a week a lot of the times twice a week, as for liability insurance to my & my agents knowledge its rubbish. If your a gigging cover band ie; solo, duo, trio & upwards you don`t need it. it should already be coverd by the venues insurance. its there job to police the punters, exercise door control, [ bouncers etc ] & remove unruley punters its not the job of the band. It sounds like some ones asking you to carry there insurance burden for them..... whats happened mate ?

:D 8)

38thBeatle · « **Reply #2 on:** February 06, 2006, 10:08:45 PM »

Nothing yet- there was an agent we went to to get us work ( we are a gigging covers band btw) and he told one of the other guys that all his bands had it and he wouldn't book bands unless they had it. It is true to say that this particular agent is a bit of a jerk and likes to sound important. My first reaction was like yours and I said so to Keith. I thought that I would canvass a few opinions. Sadly my day job is insurance claims I therefore feel I know my onions. Thanks for your thoughts JT.

jt · « **Reply #3 on:** February 06, 2006, 10:24:16 PM »

:D So does it stack up then. i`m not sure how to read the last part of your post. Check your PM`s

:D 8)

Skybone · « **Reply #4 on:** February 07, 2006, 04:44:52 PM »

Those "Ambulance Chaser's" have a lot to answer for...

"Been hurt in an accident that wasn't your fault...?"

The guy that nearly killed me in a road accident didn't even have insurance...

Bainzy · « **Reply #5 on:** February 07, 2006, 06:57:04 PM »

Sounds like a way of lining his pockets :?

HJM · « **Reply #6 on:** February 12, 2006, 05:55:42 PM »

If you have gear insurance it often includes public liability. ( I know Musicguard does)

HTH AMPS · « **Reply #7 on:** February 13, 2006, 12:07:12 AM »

my mate got asked to provide a certificate to show that his Matamp Bass200 head was PAT-tested before a local venue would let him book the gig. WTF!!! :x

:twisted:

HJM · « **Reply #8 on:** February 14, 2006, 01:44:32 PM »

That's getting common now

I wonder if a band brought in knowingly untested gear into a venue and there was an accident who would end up liable???

PAT testing is a good idea (my last job I had to do loads...) some of the stuff people are prepared to risk!!! The amount of earths people lift on vlave amps is shocking.....groan :lol:

38thBeatle · « **Reply #9 on:** February 14, 2006, 07:55:32 PM »

Thanks for the input guys. In a band I was in years ago we used to get our gear tested every year to satisfy one or two of the dozens of venues we used to play. The joke was that one of those venues insistant upon us testing our gear had the cr@ppiest electrical installation you could get. I got a belt there one night -the painful irony.