Making sure artists are protected against the unknown is important – and part of the HMAs’ mission is to offer value to the heavy music community as a whole – so we’re very excited to have partnered with Allianz Musical Insurance as our Official Insurance Partner.
We’ve handed over the stage to Allianz Musical Insurance to explain the public liability insurance for musicians.
When you’re playing a gig, Public Liability Insurance is probably one of the last things on your mind. As it should be, because of course nobody ever wants anything to go wrong.
But what is it all about, and why might you need to think about it?
Public Liability Insurance, also known as third party liability and personal liability, protects you against the cost of a claim if someone is injured, hurts themselves or damages property while you’re playing.
For example, if one of your amps falls off the stage and hit someone, you could be deemed responsible and the injured party could claim against you. Without Public Liability Insurance, you would be expected to pay their medical bills, compensation, and any necessary legal bills – but if you have Public Liability Insurance, your insurer would pay these bills (or partially pay them, depending on your level of cover).
“But it’ll never happen to us.”
No, hopefully it won’t – but regardless of how careful you are, many venues now require bands to have Public Liability Insurance in order to play. If you’ve been booked somewhere and fail to show a valid insurance certificate on arrival, some venues may not let you perform at all.
Even if you only play the occasional gig at small local venues or pubs, it’s always worth checking what their policy is on Public Liability Insurance to avoid a wasted trip.
What you can do to prevent an incident
Make sure you tape down all your cables and leads, and remove anything you don’t need during your set from the stage – extra bits of gear lying around are trip hazards. You should also ensure that your electrical equipment is carefully positioned and PAT tested before you use it.
Don’t balance any gear or equipment on precarious looking surfaces, and if something feels risky or unsafe, tell someone at the venue.
If something does happen…
The claims process will differ depending on who your insurance is with, but it’s generally best to call your insurer as soon as you can after the incident has occurred.