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[–] heygeorge 0 points 1 point (+1|-0) ago 

I’ve found that the price of insurance for two midsize events is comparable to the price of coverage for an entire year.

I don’t know much about the unions. I’m not that kinda musician!

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[–] TheBuddha [S] 0 points 1 point (+1|-0) ago 

There are six of us and we have lots of expensive shit that we want well covered. So, my quotes were maybe a bit different than what you have experienced?

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[–] heygeorge 0 points 1 point (+1|-0) ago 

I’m more talking about protection from personal injury lawsuits.

It’s probably a little different for me, as while the event quotes I’ve received do claim coverage for equip. damage/theft, my business insurance is what I actually rely on to protect the equipment from theft and damage.

I also (thankfully; I don’t even want to say this because it scares me) have yet to have to file a claim or be sued for anything transpiring at a show or event, although my attorney claims I have the right coverage. There was one unfortunate incident where the band was opened up to rather large liability... but they thankfully never filed suit.