Public Liability Insurance

[Keith_]

Hi Folks,

Anyone like to recommend a package, or point out some pitfalls, for small scale wet hire sound amplification business (outdoor and indoor)?

Thanks,

K.

 

[Malcolm Gordon]

Although I am not a business, I have been using Musicguard for fifteen years to cover equipment I take to small indoor events, for theft and the risk of a speaker stand falling on someone. I have never had to claim. You would have to check the conditions for any exclusions.

[KevinE]

I'm insured through a broker, Marsh Commercial, who have supplied me with both Axa and Zurich policies. Marsh are pretty flexible with what they will and wont include on a policy.

[Keith_]

Thanks Malcolm and Kevin. I had a look at both suggestions: Marsh seems more suited to my activities at the moment.

A good example - on Saturday I did outdoor sound for a Peace in Ukraine rally (gratis of course), at the end of speaches and 'sturing music', the crowd all set off on a protest march through Belfast city centre. The marshals were not exactly on top of their game as the throng headed in the wrong direction, hundreds of people trampled right over my cables laid between the amp rack and speaker tower! I stood by repeating "please mind the cables underfoot" over and over like a vehicle reversing. Tenterhooks!

Marsh specifically mention 'tripping over cables' in their brief summary of what is PLI.

K.