The government's UK copyright law site outlines the IPO and Copyright, Designs and Patents Act 1988, the principal legislation covering intellectual property rights in the United Kingdom and the work to which it applies.

Main Forums >> Music Business
        Print Thread

Pages: 1
The_BPP
active member


Joined: 13/05/04
Posts: 1685
Loc: Lincolnshire
Public Liability Insurance new
      #984134 - 25/04/12 09:28 AM
I've a small band, and we perform a lot of gigs. Some venues insist on us having public liability insurance, which we currently don't have.

Any recommendations for a cheap insurer?

(we just wanna tick the "insured" box, really, nothing more... Peace of mind is not very rock and/or roll).

Thanks in advance!

Andy

--------------------
Touch & Go


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
ken long



Joined: 21/01/08
Posts: 4609
Loc: The Orient, East London
Re: Public Liability Insurance new [Re: The_BPP]
      #984135 - 25/04/12 09:30 AM
Got mine with Aviva.

£40 for £1,000,000 cover for a year.

--------------------
I'm All Ears.


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
ef37a



Joined: 29/05/06
Posts: 6891
Loc: northampton uk
Re: Public Liability Insurance new [Re: The_BPP]
      #984138 - 25/04/12 09:43 AM
Hi Andy,
You might find it better to talk to an insurance broker and moreover one who is "muso friendly"!

I would bet you a 5mtr XLR cable that your kit is not insured under many and several circumstances as you move it from home to venue! It would also be unlikely to be covered on your normal home contents policy. A broker can go though all these matters and come up with a good deal. I do not think it costs you anything to get such a quote?

And NEVER tell a "normal" insurance company that you are a gigging musician, as far as most of them are concerned you are all a load of irresponsible crackheads!

Dave.


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
Hugh RobjohnsAdministrator
SOS Technical Editor


Joined: 25/07/03
Posts: 22131
Loc: Worcestershire
Re: Public Liability Insurance new [Re: The_BPP]
      #984139 - 25/04/12 09:45 AM
I was going to say join the MU because they throw in £10m PL cover... but then I saw the annual fee was £177... COuld be worth it for the other benefits and activities, but I suspect a good broker could do a better rate for PL insurance.

hugh

--------------------
Technical Editor, Sound On Sound


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
feline1
active member


Joined: 23/06/03
Posts: 4381
Loc: Brighton, UK
Re: Public Liability Insurance new [Re: The_BPP]
      #984152 - 25/04/12 10:38 AM
The MU also offer a substantial discount on musical equipment insurance (via Hencilla Camworth), so that combined with the free public liability insurance still makes it cost effective to pay the MU subs (which you can pay monthly...)

--------------------
~~~ A weasel hath not such a deal of spleen as you are tossed with! www.feline1.co.uk ~~~


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
Steve A
member


Joined: 07/08/02
Posts: 344
Loc: Edinburgh
Re: Public Liability Insurance new [Re: The_BPP]
      #984160 - 25/04/12 11:43 AM
Am I right in thinking for the MU Public Liability insurance to apply to a band, every band member would also need to be a paid up MU member?

--------------------
http://www.partyfearsthree.co.uk


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
shufflebeat



Joined: 09/12/07
Posts: 3304
Loc: Manchester, UK
Re: Public Liability Insurance new [Re: The_BPP]
      #984164 - 25/04/12 12:00 PM
Forget "Rock and Roll" this could seriously bite you.

I have PLI and gear insurance organised through the MU. The "free"/£177 issue Hugh quite rightly mentions should however be seen in context. The combination of PLI and the "free up to a certain value" gear insurance (that can in turn be used to cover the excess in any policy you might be offered) that comes with membership may make a significant difference.

Don't forget there are several perfectly proper ways to minimise your premiums, for instance if there are items of gear that never leave your house they do not require international cover. Your guitar might. It's perfectly possible for several policies to cover different levels of risk.

I consider insurance to be, like a driving licence, one of those basic elements that make gigging possible.

With decent cover you will qualify for gigs others won't. Factor that into your sums.

--------------------
Onward and outward


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
feline1
active member


Joined: 23/06/03
Posts: 4381
Loc: Brighton, UK
Re: Public Liability Insurance new [Re: Steve A]
      #984177 - 25/04/12 12:30 PM
Quote Steve A:

Am I right in thinking for the MU Public Liability insurance to apply to a band, every band member would also need to be a paid up MU member?




I believe the correct answer is that MU members are forbidden from working with anyone who is not a union member, unless you drive round their house and spraypaint "SCAB" over it. Or something. NOTE: this answer may be wrong.

--------------------
~~~ A weasel hath not such a deal of spleen as you are tossed with! www.feline1.co.uk ~~~


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
shufflebeat



Joined: 09/12/07
Posts: 3304
Loc: Manchester, UK
Re: Public Liability Insurance new [Re: feline1]
      #984182 - 25/04/12 12:46 PM
Quote feline1:

Quote Steve A:

Am I right in thinking for the MU Public Liability insurance to apply to a band, every band member would also need to be a paid up MU member?




I believe the correct answer is that MU members are forbidden from working with anyone who is not a union member, unless you drive round their house and spraypaint "SCAB" over it. Or something. NOTE: this answer may be wrong.




I believe that's been updated to a burning (c) on the lawn.

--------------------
Onward and outward


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
The_BPP
active member


Joined: 13/05/04
Posts: 1685
Loc: Lincolnshire
Re: Public Liability Insurance new [Re: ken long]
      #984204 - 25/04/12 01:57 PM
Quote ken long:

Got mine with Aviva.

£40 for £1,000,000 cover for a year.




That sounds like a good deal - I'll have a look!
Thanks!

--------------------
Touch & Go


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
ken long



Joined: 21/01/08
Posts: 4609
Loc: The Orient, East London
Re: Public Liability Insurance new [Re: The_BPP]
      #984211 - 25/04/12 02:28 PM
Quote The_Big_Piano_Player:

Quote ken long:

Got mine with Aviva.

£40 for £1,000,000 cover for a year.




That sounds like a good deal - I'll have a look!
Thanks!




yes it was... but I half read your post (giltee m'lud!). I don't gig.

--------------------
I'm All Ears.


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
mc9320



Joined: 23/05/12
Posts: 8
Loc: UK
Re: Public Liability Insurance new [Re: ken long]
      #989202 - 23/05/12 07:56 PM
Musicguard are also cheap. It costs me £40 to insure my keyboard for £1000000 cover

--------------------
http://best-headphones.org.uk


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
zoosound
member


Joined: 13/12/02
Posts: 49
Re: Public Liability Insurance new [Re: mc9320]
      #989212 - 23/05/12 09:24 PM
+1 for musicguard. You can do it all online too which is pretty handy. I've insured the gear for my rehearsal facilities with them for about 6 years now. £150 per annum with £1m public liability included


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
The_BPP
active member


Joined: 13/05/04
Posts: 1685
Loc: Lincolnshire
Re: Public Liability Insurance [Re: mc9320]
      #989232 - 24/05/12 07:08 AM
Thanks for the update! I was somewhat disappointed with the initial lack of replies!

--------------------
Touch & Go


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
snaxbox



Joined: 23/09/12
Posts: 1
Re: Public Liability Insurance new [Re: The_BPP]
      #1009647 - 23/09/12 07:42 AM
And the vote goes to musicguard! I'm looking for one too actually and I'm still shopping for the best one here in our place. Hope I'll get a nice quote when I do.

(spam signature link removed )

Edited by zenguitar (23/09/12 11:39 AM)


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
turbodave



Joined: 25/04/08
Posts: 2410
Loc: derbyshire uk
Re: Public Liability Insurance new [Re: The_BPP]
      #1009735 - 23/09/12 06:26 PM
I've used Simply Business for a few years, they always throw up some good bargains. Dave

--------------------
My head hurts!


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
The Red Bladder



Joined: 05/06/07
Posts: 2524
Loc: . ...
Re: Public Liability Insurance new [Re: turbodave]
      #1009771 - 24/09/12 06:58 AM
Quote turbodave:

I've used Simply Business for a few years, they always throw up some good bargains. Dave




+1

They can go from sweet-shop to multinational and have great deals and are linked to the other 'simply' companies, such as Simply Books.


Post Extras: Print Post   Remind Me!   Notify Moderator     Back to top
Pages: 1

Rate this thread

Jump to

Extra Information
0 registered and 6 anonymous users are browsing this forum.

Moderator:  David Etheridge, James Perrett, zenguitar, Martin Walker, Forum Admin, Hugh Robjohns, Zukan, Frank Eleveld, SOS News Editor,  
Forum Permissions
      You cannot start new topics
      You cannot reply to topics
      HTML is disabled
      UBBCode is enabled
Rating:
Thread views: 5487

November 2014
On sale now at main newsagents and bookstores (or buy direct from the
SOS Web Shop)
SOS current Print Magazine: click here for FULL Contents list
Click image for November 2014
DAW Tips from SOS

 

Home | Search | News | Current Issue | Tablet Mag | Articles | Forum | Subscribe | Shop | Readers Ads

Advertise | Information | Privacy Policy | Support | Login Help

 

Email: Contact SOS

Telephone: +44 (0)1954 789888

Fax: +44 (0)1954 789895

Registered Office: Media House, Trafalgar Way, Bar Hill, Cambridge, CB23 8SQ, United Kingdom.

Sound On Sound Ltd is registered in England and Wales.

Company number: 3015516 VAT number: GB 638 5307 26

         

All contents copyright © SOS Publications Group and/or its licensors, 1985-2014. All rights reserved.
The contents of this article are subject to worldwide copyright protection and reproduction in whole or part, whether mechanical or electronic, is expressly forbidden without the prior written consent of the Publishers. Great care has been taken to ensure accuracy in the preparation of this article but neither Sound On Sound Limited nor the publishers can be held responsible for its contents. The views expressed are those of the contributors and not necessarily those of the publishers.

Web site designed & maintained by PB Associates | SOS | Relative Media