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Once again, it's time for the FNGT!

If you don't know how this works, . That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down.

NOTE: That site is by invitation only. If you want an invite, and you're a regular participant, then just ask theBuddha, or myself.

If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only.

Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then .

**Once again, it's time for the FNGT!** If you don't know how this works, [click this link](https://fngt.gq/index.php?page=intro). That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down. **NOTE:** That site is by invitation only. If you want an invite, and you're a regular participant, then just ask theBuddha, or myself. If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only. Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then [you can donate](https://poal.co/donate).

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[–] • 0 pt

Not even remotely (for event insurance). You can get a full year's worth of 1 mil coverage for anywhere from $200 to $1500, depending on who you go through and what you might want to add on. For about $400 you get replacement insurance for equipment. Anything over 25k won't have a deductible. Liability insurance isn't that bad, though you may need a per-location documentation. Once you've done it for one venue, you can just renew it yearly if you plan on playing there regularly.

It's pretty simple stuff to deal with.

[–] • 0 pt

So for generally less than a hundred bucks a month they can be covered in case of disaster or pretty much any sort

[–] • 0 pt

Pretty much... There's other insurance, like insuring the truck, but it all gets written off, meaning the income that paid for it wasn't taxed.

It's pretty stupid to be a professional musician without insurance, regardless of the venue. It's like driving a car without insurance - when you can't afford to cover the expenses if you end up causing a damage.

[–] • 0 pt

What would the band insurance need to cover that the venue would not cover?