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Compare Public Liability Insurance for Musicians
Whether you’re a member of a rock band, an indie band or a more low-key band that performs at weddings and birthday parties, if you love music and you love performing there’s a very good chance you love what you do.
Of course, if your band hasn’t hit the big time yet and you aren’t a platinum-selling recording artist it’s possible your income might be a little unstable and your job security could be close to non-existent.
That’s not the only risk bands face, though. If you perform in front of fans there is always the risk that one of them might get hurt at one of your gigs, and it’s possible your band might be held liable for the resulting injuries.
That’s why many band members make the decision to invest in public liability insurance for bands, which can protect them from the financial burden of legal fees and compensation pay-outs if they are ever sued by a member of the public.
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Is public liability insurance for bands a legal requirement?
No, public liability insurance isn’t legally required in the UK no matter what you do for a living, so band insurance is entirely optional from a legal standpoint.
However, it may not be optional from a contractual standpoint, because some concert halls, theatres, nightclubs and bars do insist that bands have public liability insurance in place before they perform there.
If you signed a contract with the venue and the contract stipulated that each band must have their own public liability insurance then you’d be obliged to take out a band insurance policy before you took to the stage.
What does band liability insurance insure us against?
As the name suggests, band liability insurance is designed to insure your band against the risk of liability claims by members of the public, and from the financial burden that those claims might impose if the claimant was successful.
Band liability insurance can cover the cost of legal fees and compensation claims if someone is injured or their property is damaged and the court determines that the incident occurred due to some sort of negligence on the part of one of your band members.
How much does public liability insurance for bands cost?
Insurance providers use a wide range of factors when calculating the premium for your band liability insurance, and each provider will also give each of those factors a slightly different weighting.
Your own location, the location of the premises where your band will be performing, the amount of public liability cover you would like to take out, whether or not you’ve claimed on a public liability insurance policy in the past and whether or not you’d like to bundle other add-ons with your band insurance policy will all affect the premiums you’re quoted.
The best plan is to use Quotezone.co.uk’s band insurance comparison service to compare quotes from a range of different providers, and then go with the one that offers the best policy at the most competitive price.
Does public liability insurance for bands cover us if we’re sued by one of our own employees?
No, as the name suggests, public liability insurance is designed to protect your band from the risk of liability claims by members of the public. If your band employs staff (roadies, sound engineers, videographers or photographers, for instance) you’ll need to take out employers’ liability insurance as well, which does cover you if you’re ever sued by one of your own employees.