coffee_king Posted August 28, 2013 Share Posted August 28, 2013 Hey all I'm a little confused about Public Liability Insurance. For instance lets say its one band with three members. These three band members only ever perform together in this one group. Does there need to be only one person in the band that has PLI for live performances? Or do all members need their own PLI? Will one persons PLI cover the entire band? Can you insure a "Band" (So say dep players come in and out)? any help? Thanks Quote Link to comment Share on other sites More sharing options...
crez5150 Posted August 28, 2013 Share Posted August 28, 2013 We got Band cover through these guys - http://www.performingartsinsurance.co.uk Quote Link to comment Share on other sites More sharing options...
xgsjx Posted August 28, 2013 Share Posted August 28, 2013 New Moon give PLI with instrument insurance. So if each member has an instrument insured, then they get PLI. Quote Link to comment Share on other sites More sharing options...
nottswarwick Posted August 28, 2013 Share Posted August 28, 2013 Minefield. Technically you need a policy covering the band name, and not once or indeed all of the individuals. I looked into this long and hard. You will get varying answers, but you need a policy in the name of the band, and it will cover the band performing with whatever members. We use Richard Weston. Very good. £200 all in, for 5 piece band, 70 ish gigs per year, 5 members, no pyrotechnics. And the laser must be aimed 30ft up. It's not worth messing about and risking it otherwise, not worth taking a shortcut IMHO. Quote Link to comment Share on other sites More sharing options...
JapanAxe Posted August 28, 2013 Share Posted August 28, 2013 Insurance will only do (at most) what it says on the tin. If you get cover for just one member, you will be stuffed when a punter falls over another member's bit of kit. These companies don't just pay out, they will make a thorough investigation into exactly what happened. Quote Link to comment Share on other sites More sharing options...
fretmeister Posted August 28, 2013 Share Posted August 28, 2013 Depends entirely on the individual policy. there are a lot of variations. I'm a member of Equity so I'm covered anyway. Quote Link to comment Share on other sites More sharing options...
nottswarwick Posted August 28, 2013 Share Posted August 28, 2013 I think it is key to realise that if the individuals have their own policies this will not be sufficient to protect a BAND in the event of a claim. Sounds daft, but all my extensive research into this pointed to this. Thus we have a policy with the BAND name on it. Quote Link to comment Share on other sites More sharing options...
coffee_king Posted August 29, 2013 Author Share Posted August 29, 2013 I insured with www.gclloyds.co.uk Our policy states: Policy Number: xxxxxx Customer Number: xxxxxx The Insured: (Name of band) Specific Trade: Musician (Band under 6 members) Effective Date/Time: xx/xx/xxx Expirary Date/Time: xx/xx/xxx Public Liability: £1,000,000 Employers Liability: Not Included Products Liability: Included, Indemnity: £1 Million This to me says that the BAND is insured. Thoughts? Quote Link to comment Share on other sites More sharing options...
xzodar Posted August 29, 2013 Share Posted August 29, 2013 We have £5M PLI cover for our 14 piece function band through Rees Astley. [u][size=3][url="http://www.insurance4performingarts.co.uk"]www.insurance4performingarts.co.uk[/url][/size][/u] [size=3]Part of the Confirmation of Cover states:-[/size] [left][b][u][size=3]Re: The Members For The Time Being of Bring Down the House [/size][/u][/b][/left] [font=Arial, Arial][size=3][font=Arial, Arial][size=3]This is to confirm that we act as Insurance Brokers to the above named client and that Public Liability insurance is currently in force with QBE Insurance (Europe) Ltd for the following activities: [/size][/font][/size][/font] [left][font=Arial, Arial][size=3][font=Arial, Arial][size=3]• Band (up to 15 members) - Playing to an audience of no more than 500 people [/size][/font][/size][/font][/left] [left][font=Arial, Arial][size=3][font=Arial, Arial][size=3]This covers us for the whole band and any deps and was less than £200.[/size][/font][/size][/font][/left] [left][font=Arial, Arial][size=3][font=Arial, Arial][size=3]Better safe than sorry I say.[/size][/font][/size][/font][/left] [left][font=Arial, Arial][size=3][font=Arial, Arial][size=3]Pete[/size][/font][/size][/font][/left] Quote Link to comment Share on other sites More sharing options...
nottswarwick Posted August 29, 2013 Share Posted August 29, 2013 [quote name='shippo' timestamp='1377759779' post='2191326'] I insured with www.gclloyds.co.uk Our policy states: Policy Number: xxxxxx Customer Number: xxxxxx The Insured: (Name of band) Specific Trade: Musician (Band under 6 members) Effective Date/Time: xx/xx/xxx Expirary Date/Time: xx/xx/xxx Public Liability: £1,000,000 Employers Liability: Not Included Products Liability: Included, Indemnity: £1 Million This to me says that the BAND is insured. Thoughts? [/quote] Does to me too. Quote Link to comment Share on other sites More sharing options...
ratman Posted August 29, 2013 Share Posted August 29, 2013 I've heard that the MU includes insurance as part of your membership, but all I could find on their site was this: 'Members are insured for legal liability of £10m, to cover injury to members of the public or damage to property. You also get instrument and equipment insurance up to £2,000, Personal Accident cover and tax investigation cover'. I'm not sure if this is the same as public liability insurance. Can anyone shed any light on this?? Quote Link to comment Share on other sites More sharing options...
nottswarwick Posted August 29, 2013 Share Posted August 29, 2013 It is but individuals only, and won't cover a band. Quote Link to comment Share on other sites More sharing options...
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