One off PLI for a band.

Rowby1 · August 2023

Posh wedding venue want my band to have Public Liability insurance cover. I’ve never been asked for this before and we don’t normally do weddings so I just need a one off event cover.

I have PLI for myself (as an MU member).

Any recommendations for where I can get a one off band/event cover?

Danny1969 · August 2023

You can get it for a year for £70 ish for the whole band ...https://www.insure4music.co.uk/ or just get each band member to get it themselves for a year, it's only £25 each for a year

Rowby1 · August 2023

Danny1969 said:

You can get it for a year for £70 ish for the whole band ...https://www.insure4music.co.uk/ or just get each band member to get it themselves for a year, it's only £25 each for a year

Brilliant thanks, I’ll check that out!

HAL9000 · August 2023

Allianz could also be worth a look.

ElectricXII · August 2023

I could be wrong, and maybe it depends on the terms of your policy, but if one of you already has PLI, the rest of the band is covered by your insurance.

Roland · August 2023

ElectricXII said:

I could be wrong, and maybe it depends on the terms of your policy, but if one of you already has PLI, the rest of the band is covered by your insurance.

Your insurance will cover yourself and your equipment, but not the rest of the band. However every venue that’s asked for PLI has been satisfied with a copy of my insurance certificate.

Stratavarious · August 2023

We just maintain an annual full band insurance.. £70. £2million

Keefy · August 2023

Roland said:

ElectricXII said:

I could be wrong, and maybe it depends on the terms of your policy, but if one of you already has PLI, the rest of the band is covered by your insurance.

Your insurance will cover yourself and your equipment, but not the rest of the band. However every venue that’s asked for PLI has been satisfied with a copy of my insurance certificate.

You might want to go beyond getting the gig, and consider what would happen if something went wrong. If a member of the audience trips on your band colleague’s messy cables and breaks their arm, your own PL insurer is not going to pay out as the incident wasn’t caused by you or your kit.

Roland · August 2023

Keefy said:

Roland said:

ElectricXII said:

I could be wrong, and maybe it depends on the terms of your policy, but if one of you already has PLI, the rest of the band is covered by your insurance.

Your insurance will cover yourself and your equipment, but not the rest of the band. However every venue that’s asked for PLI has been satisfied with a copy of my insurance certificate.

You might want to go beyond getting the gig, and consider what would happen if something went wrong. If a member of the audience trips on your band colleague’s messy cables and breaks their arm, your own PL insurer is not going to pay out as the incident wasn’t caused by you or your kit.

We’ve thought about that. Most of the PA and lights, and all the power and XLR cables, are mine. Colleagues have their own insurance. My comment was about what venues want to see.

Keefy · August 2023

Roland said:

Keefy said:

Roland said:

ElectricXII said:

I could be wrong, and maybe it depends on the terms of your policy, but if one of you already has PLI, the rest of the band is covered by your insurance.

Your insurance will cover yourself and your equipment, but not the rest of the band. However every venue that’s asked for PLI has been satisfied with a copy of my insurance certificate.

You might want to go beyond getting the gig, and consider what would happen if something went wrong. If a member of the audience trips on your band colleague’s messy cables and breaks their arm, your own PL insurer is not going to pay out as the incident wasn’t caused by you or your kit.

We’ve thought about that. Most of the PA and lights, and all the power and XLR cables, are mine. Colleagues have their own insurance. My comment was about what venues want to see.

That’s fair enough then, I stand corrected

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One off PLI for a band.

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