What would the band insurance need to cover that the venue would not cover?
Everything from your gear to say someone trips over your gear and gets hurt or if someone climbs on the stage at the same time you turn around and you whack her with the headstock causing a need for 30 stitches and reconstructive surgery...
The venue doesn't cover shit. Even if they said they did, I wouldn't fucking believe 'em. They have liability insurance probably, but it won't cover us 'cause we're not employees. Some of the good venues will carry event insurance, which is basically insurance for the act that plays there.
It goes up if you use pyrotechnics and shit like that.
Hopefully that kind of crazy shit is rare
It is rare, that's why the insurance isn't hundreds of thousands of dollars.
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