Having accidentally found myself in a covers band, which is inevitably going to get more traction than my solo originals stuff, I've started looking at PLI for the band.
I can't see it ever being more than pub gigs, and a lot of those Sunday afternoon/evening rather than Friday late night rowdy piss-ups - partly because of how we're positioning ourselves, and partly because of the pubs where we already have an "in". But even so, it only takes one person to trip over a speaker pole etc.
A quick peruse of past conversations on here, and a web search has thrown up insure4music.co.uk and ampband.co.uk as potential providers. We're not looking for gear insurance or bells and whistles, just reliable PLI so we're covered "just in case" because it's prudent. So lowest cost for someone that won't suddenly refuse to pay out because the singer's hair is too short or whatever random tiny clause we miss.
Any positive recommendations, or explicit sharks to avoid?
Comments
Cover does not apply if crowd exceeds 1,000 unless agreed in writing by the insurer.
Excludes wilful, malicious or unlawful act, standard condition but means if you get sued for kicking someone who gets too close to the rig etc you'd be up the swanny.
Excludes contractual liability, if you sign a T&C with more onerous terms than apply in tort (general law) then you are not covered - also a standard condition.
Excludes financial loss, so you are covered against hurting third parties or damaging their stuff but not for a general loss - eg people left because you screeched like Joe Pasquale. Also standard condition.
Liability arising from the sale or supply of goods, if you sell merch which blinds your public then you are on your own.
The key thing with all policies is you have a legal duty to tell the insurer everything they need to know to set premiums etc - so if you don't mention you have a Bez and he whirls into the crowd hurting people they are entitled to throw the claim out and void the policy from inception meaning you then have a legal duty to tell all other insurers until you die that you have had a policy cancelled for breach of conditions.
Don't have nightmares....... : )
Insurer is Aviva who are as good/bad as anyone.
https://musiciansunion.org.uk/membership-benefits/public-liability-insurance-for-musicians
I suspect if they had to pay out they would fight tooth and nail not to, I’m just playing the game and meeting the criteria so I can play the venues