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Not that I would ever do that of course.... ;-)
(formerly miserneil)
Luckily our drummer is also an electrician, which is handy.
The reason venues might ask for proof of PL is in case something happens on their premises that they consider is your fault and property is damaged or someone is injured. You can't successfully sue a 'man of straw', so proof that you have PL gives them reassurance that in such a scenario any legitimate claim for damages made on them by a third party (e.g. injury to a guest), or by them on you (e.g. if their property has been damaged) , has a chance of being settled. They are simply being prudent.
Aside from meeting any eventual cost of damages up to the policy limit, the insurers handle the matter completely and investigate the incident and deal with the third party or their insurers directly - which is why you must NEVER admit liability even if you think something was 'obviously' your fault.
For example, a third party might trip over one of your cables and hurt themselves and you might be forgiven for apologising and believing its your fault and admitting liability because it was your cable. But that may not be the case. In practice the venue will also have a health & safety responsibility to ensure that the audience don't go on/within the 'stage' area, and to satisfy themselves before the gig that your cables (e.g. if you were at floor level and there was no dedicated raised stage area) were unobtrusive, were taped down, and that they had provided adequate and safe access to well-sited mains sockets that avoided the need for badly lying cables.
In fact, unless something weird happens like your amp blowing up and starting a fire,or you do something ridiculously silly like running amongst the audience and accidentally hitting someone in the face with your guitar, it's unlikely that too much can happen at a gig that you will actually have a genuine liability for. And even then it might only be a partial liability.