Does a solo musician/performer have to carry Public Liability Insurance.?

Question

when working in public places such as hotels, clubs and etc. is it a 'legal' requirement to carry such insurance?

Answer 1

Agreeing with previous answers, no it won't be a legal requirement, but unless the venue has something in place, in these compensation culture days you'd be well advised to have some cover.

There are also some wedding venues etc that will only let artists play if they have this cover as they don't want to be sued if anything happens.

As previously stated it's not that expensive.

All it needs is for some fool to trip over a lead, or for a speaker to topple over on someones foot and you could be up in court for lord knows how much. A public liability policy is worth it just for peace of mind.

Answer 2

NO. But double check that the places you play at, are.

Answer 3

Not unless your performance ends with you beating the audience with your instrument

Answer 4

Hi yes you do need public liability insurance but your only talking £30 per year.

Because your working in other people property they hold public liabilty for the visitors (you audiance) however if you was to fall of the stage on someone or knock something off the stage onto someone then it would be your insurance that pays compensation.

some companies mainly larger ones will want to see proof of liability insurance before they will give you a contact.

take a look at this liability insurance website

http://www.premierlinedirect.co.uk/