flyfisher Posted April 29, 2013 Share Posted April 29, 2013 [quote name='fretmeister' timestamp='1367263574' post='2063435'] Generally, if you are not being paid for something, your house insurance will cover it. If you are being paid or doing a work like activity then it won't and you'll need specific insurance. [/quote] There must be loads of people in the country who don't have house insurance. Are there separate general purpose PLI policies that they shoudl be seriously considering? Quote Link to comment Share on other sites More sharing options...
fretmeister Posted April 29, 2013 Share Posted April 29, 2013 Never investigated others TBH. In 15 years of litigation it's never come up as a stand-alone issue. In the nightclub example the club paid out in the end. Quote Link to comment Share on other sites More sharing options...
simon1964 Posted April 29, 2013 Share Posted April 29, 2013 My day job is as a lawyer defending claims for insurance companies. For all the reasons fretmeister gives, I wouldn't dream of gigging without public liability cover. Apart from anything else, even if the injured punter sues the venue, there's nothing to stop the venue seeking a contribution from you if their insurers consider you negligent. The peace of mind insurance gives you is worth every penny IMO. Quote Link to comment Share on other sites More sharing options...
fretmeister Posted April 29, 2013 Share Posted April 29, 2013 Hello Simon! Still defending the bad guys I see! Quote Link to comment Share on other sites More sharing options...
spacey Posted April 29, 2013 Share Posted April 29, 2013 The No -win no fee thing has come to an end now and it is a conditional fee arrangement where you have to pay an upfront insurance premium before a Solicitor will take the case, the fee for insurance depends on the likely hood of them getting the legal costs back. Anything around £2500 up front is average for an accident claim and this has to be paid in full before the solicitor even puts a pen to paper If you have Liability insurance, the solicitor knows they have a much greater chance of success in getting something back. I doubt you could find anyone to take on a case against a bunch of skint musicians with no insurance when the venue has insurance. Who would you go after. Solicitors make it very clear they are not there to teach skint people lessons, they work in pounds shillings and pence terms only. If it was effective in covering you , you would not be getting it for £60 a year, insurance companies charge that for a letter. As I say in our case, the venue had the superseding policy as the judge put it and ended up paying out, much to the annoyance of the Hotel and their insurers. IMO having been dragged through it, a bit of a micky mouse policy and priced accordingly . Quote Link to comment Share on other sites More sharing options...
JTUK Posted April 29, 2013 Share Posted April 29, 2013 [quote name='ubassman' timestamp='1366996658' post='2060150'] Have a look at this [url="https://www.cglloyds.co.uk/instant-quote/plel?trade=241&gclid=CIv30tni6LYCFSXLtAoduksAcA"]web site[/url] Quote of around £55 per annum for £1M PLI ( plenty of other on line quotes though !). The organisers of any venue / event should have PLI and should indemnify you with employers liability insurance - its your place of work and they are the employer paying your wages , providing you ( in theory) with a safe working environment . They also have a duty of care to the public coming into their building to make sure it safe and all preventable risks have been mitigated . The chances are you would be covered in any event under their Public Liability insurance policy for most things that occur in a venue . I[u]t would be pretty worrying for a venue to have no insurance in place a[/u]nd to try to pass on their responsibility down the line to a band. If however the band did something that caused a problem, for example a bin toppled offstage and hit someone then it may well be down to the band ...so for £55 quid its probably best to be covered by your own policy. ............ [/quote] So, think about this when you play that struggling pub.... Quote Link to comment Share on other sites More sharing options...
Bassmonkey Posted April 30, 2013 Share Posted April 30, 2013 Completely agree with having it. As stated most small pubs etc don't ask. Many larger venues however do. That means that if you wanna play some events, you will need it. Our experience is that we can charge more for these types of events and therefore the annual lay out of C£110 is well worth it. Even if it's not asked for, it's definitely worth having for the reasons mentioned earlier in this thread. Andy Quote Link to comment Share on other sites More sharing options...
Dave Vader Posted April 30, 2013 Share Posted April 30, 2013 If I take my dog to every gig, can I blame it on her? She has about 3millions worth of PLI in her insurance policy for some reason. Quote Link to comment Share on other sites More sharing options...
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