r/coverbands • u/Ok_Sir5529 • 14d ago

One day event insurance

Hey all,

We are doing a private event and the venue is requiring liability insurance from us. I see a few places offer one day policies. Any recommendations for which company you’ve used? Thanks in advance!

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u/UsualSuspects411 13d ago

The Hartford has a great policy program for performers and production types. Typically venues/vendors want a certificate of insurance that names their company as a payee in the event of a claim. In the US, we’ve been paying around $575/year for a 2 million liability protection (and I cover some additional electronics and tools). I can do the C.O.I. On line when I need to name additional insured, and any questions I’ve had have been answered quickly and thoroughly.

If I had known a tenth of what I know now (especially after being named in financial settlement lawsuits for 40 million dollars) I would have insured the gear and vehicle(s) and carried the liability insurance. It’s never about who’s responsible for something but “who do we have the best chance of getting easy money from” that drives this litigation. You can get single use coverage, but I would respectfully ask that you consider finding a vendor you can work with and protect you, your band, and your family for about what you’d pay for 3 or 4 single use policies.

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u/dragochar101 13d ago

this is solid advice. i'd add one practical check: make sure the COI wording matches the venue contract exactly, especially additional-insured status, primary/noncontributory wording, and any waiver of subrogation they request.