{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance","afterPostBody":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"137640-81594","analyticsPageType":"blog-post","approvalStatus":null,"archived":false,"archivedAt":0,"archivedInDashboard":false,"areCommentsAllowed":true,"attachedStylesheets":[],"audienceAccess":"PUBLIC","author":null,"authorName":null,"authorUsername":null,"blogAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1401901067000,"deletedAt":0,"displayName":"Monica Cervantes","email":"monica@frontrowinsurance.com","facebook":"","fullName":"Monica Cervantes","gravatarUrl":"https://app.hubspot.com/settings/avatar/f5b301a05833690aa109be9dca597eb5","hasSocialProfiles":false,"id":955791132,"label":"Monica Cervantes","language":null,"linkedin":"","name":"Monica Cervantes","portalId":61352,"slug":"monica-cervantes","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1401901067000,"userId":null,"username":"monica@frontrowinsurance.com","website":""},"blogAuthorId":955791132,"blogPostAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1401901067000,"deletedAt":0,"displayName":"Monica Cervantes","email":"monica@frontrowinsurance.com","facebook":"","fullName":"Monica Cervantes","gravatarUrl":"https://app.hubspot.com/settings/avatar/f5b301a05833690aa109be9dca597eb5","hasSocialProfiles":false,"id":955791132,"label":"Monica Cervantes","language":null,"linkedin":"","name":"Monica Cervantes","portalId":61352,"slug":"monica-cervantes","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1401901067000,"userId":null,"username":"monica@frontrowinsurance.com","website":""},"blogPostScheduleTaskUid":null,"blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":0,"blogPublishInstantEmailTaskUid":"DONE","blogPublishToSocialMediaTask":"DONE","blueprintTypeId":0,"businessUnitId":null,"campaign":"","campaignName":null,"campaignUtm":null,"category":3,"categoryId":3,"cdnPurgeEmbargoTime":null,"clonedFrom":null,"composeBody":null,"compositionId":0,"contentAccessRuleIds":[],"contentAccessRuleTypes":[],"contentGroup":952267656,"contentGroupId":952267656,"contentTypeCategory":3,"contentTypeCategoryId":3,"contentTypeId":null,"created":1323729540000,"createdById":null,"createdTime":1323729540000,"crmObjectId":null,"css":{},"cssText":"","ctaClicks":null,"ctaViews":null,"currentState":"PUBLISHED","currentlyPublished":true,"deletedAt":0,"deletedBy":null,"domain":"","dynamicPageDataSourceId":null,"dynamicPageDataSourceType":null,"dynamicPageHubDbTableId":null,"enableDomainStylesheets":null,"enableGoogleAmpOutputOverride":false,"enableLayoutStylesheets":null,"errors":[],"featuredImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/tribute-band-forweb.jpg","featuredImageAltText":"Tribute band liability insurance","featuredImageHeight":400,"featuredImageLength":0,"featuredImageWidth":600,"flexAreas":{},"folderId":null,"footerHtml":"","freezeDate":1323729480000,"generateJsonLdEnabledOverride":true,"hasContentAccessRules":false,"hasUserChanges":true,"headHtml":"","header":null,"htmlTitle":"Why Even YOUR Band Should Carry Liability Insurance","id":955791937,"includeDefaultCustomCss":null,"isCaptchaRequired":true,"isDraft":false,"isInstantEmailEnabled":true,"isPublished":true,"isSocialPublishingEnabled":false,"keywords":[],"label":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >Why Even YOUR Band Should Carry Liability Insurance</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":137640,"legacyId":81594,"legacyPostGuid":"5b9d6150-d4cf-4c42-8fad-a4eee1631952","linkRelCanonicalUrl":"","listTemplate":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","mab":false,"mabExperimentId":null,"mabMaster":false,"mabVariant":false,"meta":{"page_expiry_redirect_url":null,"meta_keywords":"wedding band insurance, cover band, cover band insurance, tribute band insurance, performers insurance, performers liability, venue insurance, concert insurance, tour liability, tour insurance","blog_publish_instant_email_task_uid":"DONE","use_featured_image":true,"page_expiry_redirect_id":null,"author_user_id":4012692,"rss_email_by_text":"By","style_override_id":null,"preview_image_src":null,"page_redirected":null,"featured_image":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/tribute-band-forweb.jpg","keywords":[],"campaign_name":null,"post_summary":"<h2>Tribute bands and liability insurance</h2>\n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>\n","has_user_changes":true,"attached_stylesheets":[],"unpublished_at":null,"author_email":"nedia@frontrowinsurance.com","topic_ids":[949436814,956557515,956557530,3186200793,3238974970,5465221705],"page_expiry_date":null,"rss_email_comment_text":"Comment &raquo;","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":0,"personas":[],"css":{},"campaign_utm":null,"footer_html":"","meta_description":"There are a number of reasons why a cover band or tribute band would benefit from purchasing liability insurance, but perhaps the most compelling reason...","performable_url":null,"author_username":"nedia@frontrowinsurance.com","blueprint_id":0,"rss_email_click_through_text":"Read more &raquo;","placement_guids":[],"css_text":"","rss_summary":"<h2>Tribute bands and liability insurance</h2>\n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>\n","legacy_blog_tabid":137640,"cloned_from":null,"head_html":"","page_expiry_enabled":null,"blog_post_schedule_task_uid":null,"post_body":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><h2>Tribute bands and liability insurance</h2>\n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>\n<!--more-->\n<ul>\n<li>Why risk the loss of your assets, both personal and the band’s?</li>\n<li>Liability policies are a safeguard against mistakes that your band might make in which they would be held liable.</li>\n</ul>\n<h2>So, what is liability insurance?</h2>\n<p>This type of insurance is designed to offer protection against third party (the public) bodily injury or property damage as a result of one’s operations or products.</p>\n<p>The relevance to cover/tribute bands is that in the event that bands are held responsible for the injuries and property damage sustained by an audience member or staff member at the venue, the liability insurance would potentially pay for the medical treatment required by the injured party, and can cover settlement claims resulting from lawsuits.</p>\n<h2>Examples of band liability insurance:</h2>\n<p>An example of a scenario where a band’s liability policy would be of value include if a member of the audience was invited onto the stage while band members were performing and ended up tripping on loose cords and slamming their face into some audio equipment. The coverage afforded under a liability policy would protect the band (policy holder) in the event that they are then sued by any third parties for unintentional damage. A lawsuit can name a band, its manager, an establishment and its landlord in a lawsuit. Liability insurance protection will <strong>not</strong> shorten criminal sentences, but it will take care of the resulting injuries and rehabilitation and potentially legal costs as well.</p>\n<p>While liability insurance should be in place by the owners of the venue where a band will be performing, more frequently <em>the musicians themselves must have liability insurance in place in order to perform at a venue</em>. A band can be sued for its own direct actions; however, other situations where a band and its members could be held liable include: if a piece of equipment drops from the stage and injures an audience member, or if someone were to trip over a microphone cord. In many cases, the owner of a venue requires that performers show proof of their own liability coverage so that their own liability insurance is covered in the event that the performers are negligent.</p>\n<h2>Cost of band liability insurance:</h2>\n<p>Pricing is based on revenue and annual premiums start at US/CAD $500<em> (subject to change)</em> for $1M in coverage. Compare this to the potential costs arising from a lawsuit and the coverage is priceless.</p></span>","publish_immediately":false,"html_title":"Why Even YOUR Band Should Carry Liability Insurance","blog_publish_to_social_media_task":"DONE","rss_body":"<h2>Tribute bands and liability insurance</h2>\n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>\n<!--more-->\n<ul>\n<li>Why risk the loss of your assets, both personal and the band’s?</li>\n<li>Liability policies are a safeguard against mistakes that your band might make in which they would be held liable.</li>\n</ul>\n<h2>So, what is liability insurance?</h2>\n<p>This type of insurance is designed to offer protection against third party (the public) bodily injury or property damage as a result of one’s operations or products.</p>\n<p>The relevance to cover/tribute bands is that in the event that bands are held responsible for the injuries and property damage sustained by an audience member or staff member at the venue, the liability insurance would potentially pay for the medical treatment required by the injured party, and can cover settlement claims resulting from lawsuits.</p>\n<h2>Examples of band liability insurance:</h2>\n<p>An example of a scenario where a band’s liability policy would be of value include if a member of the audience was invited onto the stage while band members were performing and ended up tripping on loose cords and slamming their face into some audio equipment. The coverage afforded under a liability policy would protect the band (policy holder) in the event that they are then sued by any third parties for unintentional damage. A lawsuit can name a band, its manager, an establishment and its landlord in a lawsuit. Liability insurance protection will <strong>not</strong> shorten criminal sentences, but it will take care of the resulting injuries and rehabilitation and potentially legal costs as well.</p>\n<p>While liability insurance should be in place by the owners of the venue where a band will be performing, more frequently <em>the musicians themselves must have liability insurance in place in order to perform at a venue</em>. A band can be sued for its own direct actions; however, other situations where a band and its members could be held liable include: if a piece of equipment drops from the stage and injures an audience member, or if someone were to trip over a microphone cord. In many cases, the owner of a venue requires that performers show proof of their own liability coverage so that their own liability insurance is covered in the event that the performers are negligent.</p>\n<h2>Cost of band liability insurance:</h2>\n<p>Pricing is based on revenue and annual premiums start at US/CAD $500<em> (subject to change)</em> for $1M in coverage. Compare this to the potential costs arising from a lawsuit and the coverage is priceless.</p>","legacy_post_guid":"5b9d6150-d4cf-4c42-8fad-a4eee1631952","featured_image_alt_text":"Tribute band liability insurance","enable_google_amp_output_override":false,"last_edit_session_id":null,"last_edit_update_id":null,"tag_ids":[949436814,956557515,956557530,3186200793,3238974970,5465221705],"link_rel_canonical_url":"","published_by_id":7915797,"published_at":1665692940274,"layout_sections":{},"scheduled_update_date":0,"public_access_rules_enabled":false,"public_access_rules":[],"featured_image_height":400,"featured_image_width":600,"header":null},"metaDescription":"There are a number of reasons why a cover band or tribute band would benefit from purchasing liability insurance, but perhaps the most compelling reason...","metaKeywords":"wedding band insurance, cover band, cover band insurance, tribute band insurance, performers insurance, performers liability, venue insurance, concert insurance, tour liability, tour insurance","name":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >Why Even YOUR Band Should Carry Liability Insurance</span>","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/A%20Canadian%20Insurance%20Broker%20Needed%20to%20Avoid%20Potential%20Tax%20Penalties-forweb600.jpg","nextPostFeaturedImageAltText":"A Canadian Insurance Broker Needed to Avoid Potential Tax Penalties","nextPostName":"A Canadian Insurance Broker Needed to Avoid Potential Tax Penalties","nextPostSlug":"articles/articles/bid/101992/a-canadian-insurance-broker-needed-to-avoid-potential-tax-penalties","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"Why Even YOUR Band Should Carry Liability Insurance","parentBlog":{"absoluteUrl":"https://www.frontrowinsurance.com/articles","allowComments":true,"ampBodyColor":"#404040","ampBodyFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampBodyFontSize":"18","ampCustomCss":"","ampHeaderBackgroundColor":"#ffffff","ampHeaderColor":"#1e1e1e","ampHeaderFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampHeaderFontSize":"36","ampLinkColor":"#416bb3","ampLogoAlt":"Front Row Insurance logo","ampLogoHeight":63,"ampLogoSrc":"https://cdn2.hubspot.net/hubfs/61352/front-row-logo.png","ampLogoWidth":175,"analyticsPageId":137640,"attachedStylesheets":[],"audienceAccess":"PUBLIC","businessUnitId":null,"captchaAfterDays":7,"captchaAlways":false,"categoryId":3,"cdnPurgeEmbargoTime":null,"closeCommentsOlder":0,"commentDateFormat":"medium","commentFormGuid":"7a447743-bbf2-4b55-a759-b405bf392a7d","commentMaxThreadDepth":3,"commentModeration":true,"commentNotificationEmails":["mike@frontrowinsurance.com","grant@frontrowinsurance.com"],"commentShouldCreateContact":true,"commentVerificationText":"","cosObjectType":"BLOG","created":1401900293000,"createdDateTime":1401900293000,"dailyNotificationEmailId":"952268096","dateFormattingLanguage":"en_US","defaultGroupStyleId":"","defaultNotificationFromName":"","defaultNotificationReplyTo":"","deletedAt":0,"description":"The Front Row Insurance Blog where you can learn and converse about all things entertainment insurance related.","domain":"","domainWhenPublished":"www.frontrowinsurance.com","emailApiSubscriptionId":283237,"enableGoogleAmpOutput":true,"enableSocialAutoPublishing":false,"generateJsonLdEnabled":false,"header":null,"htmlFooter":"<!-- DELTA-->","htmlFooterIsShared":false,"htmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance\"\n },\n \"headline\": \"Why Even YOUR Band Should Carry Liability Insurance\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/tribute-band-forweb.jpg\"\n },\n \"datePublished\": \"2011-12-12 22:38:00\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"There are a number of reasons why a cover band or tribute band would benefit from purchasing liability insurance, but perhaps the most compelling reason...\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","htmlHeadIsShared":true,"htmlKeywords":["Front Row Insurance Blog"," entertainment blog"," film blog"," film insurance"," event insurance"," film festival blog"," production blog"," musicians blog"," "],"htmlTitle":"The Front Row View (entertainment insurance blog)","id":952267656,"instantNotificationEmailId":"952268061","itemLayoutId":null,"itemTemplateIsShared":false,"itemTemplatePath":"prox_frontrow/templates/blog/blog-post.html","label":"The Front Row View (entertainment insurance blog)","language":"en","legacyGuid":"469ce2ec-4dd9-442d-984a-3bab2557a02f","legacyModuleId":"164112","legacyTabId":137640,"listingLayoutId":null,"listingPageId":70026589976,"listingTemplatePath":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","monthFilterFormat":"MMMM yyyy","monthlyNotificationEmailId":"952267981","name":"The Front Row View (entertainment insurance blog)","parentBlogUpdateTaskId":null,"portalId":61352,"postHtmlFooter":"<!-- OMEGA-->","postHtmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance\"\n },\n \"headline\": \"Why Even YOUR Band Should Carry Liability Insurance\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/tribute-band-forweb.jpg\"\n },\n \"datePublished\": \"2011-12-12 22:38:00\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"There are a number of reasons why a cover band or tribute band would benefit from purchasing liability insurance, but perhaps the most compelling reason...\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","postsPerListingPage":10,"postsPerRssFeed":10,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publicTitle":"The Front Row View (entertainment insurance blog)","publishDateFormat":"medium","resolvedDomain":"www.frontrowinsurance.com","rootUrl":"https://www.frontrowinsurance.com/articles","rssCustomFeed":"","rssDescription":"RSS feeds for ","rssItemFooter":"<IMG style=\"WIDTH: 144px; HEIGHT: 78px\" title=\"\" border=0 alt=\"\" align=center src=\"http://focusinsurance.web6.hubspot.com/Portals/61352/images//logo_final.jpg\" width=138 height=78 mce_src=\"/Portals/61352/images//logo_final.jpg\">","rssItemHeader":"","settingsOverrides":{"itemLayoutId":false,"itemTemplatePath":false,"itemTemplateIsShared":false,"listingLayoutId":false,"listingTemplatePath":false,"postsPerListingPage":false,"showSummaryInListing":false,"useFeaturedImageInSummary":false,"htmlHead":false,"postHtmlHead":false,"htmlHeadIsShared":false,"htmlFooter":false,"listingPageHtmlFooter":false,"postHtmlFooter":false,"htmlFooterIsShared":false,"attachedStylesheets":false,"postsPerRssFeed":false,"showSummaryInRss":false,"showSummaryInEmails":false,"showSummariesInEmails":false,"allowComments":false,"commentShouldCreateContact":false,"commentModeration":false,"closeCommentsOlder":false,"commentNotificationEmails":false,"commentMaxThreadDepth":false,"commentVerificationText":false,"socialAccountTwitter":false,"showSocialLinkTwitter":false,"showSocialLinkLinkedin":false,"showSocialLinkFacebook":false,"enableGoogleAmpOutput":false,"ampLogoSrc":false,"ampLogoHeight":false,"ampLogoWidth":false,"ampLogoAlt":false,"ampHeaderFont":false,"ampHeaderFontSize":false,"ampHeaderColor":false,"ampHeaderBackgroundColor":false,"ampBodyFont":false,"ampBodyFontSize":false,"ampBodyColor":false,"ampLinkColor":false,"generateJsonLdEnabled":false},"showSocialLinkFacebook":true,"showSocialLinkLinkedin":true,"showSocialLinkTwitter":true,"showSummaryInEmails":true,"showSummaryInListing":false,"showSummaryInRss":true,"siteId":0,"slug":"articles","socialAccountTwitter":"","state":null,"subscriptionContactsProperty":"blog_blog_the_front_row_view_subscription","subscriptionEmailType":null,"subscriptionFormGuid":"a2c254df-2214-4c54-bd51-46da1e3029fb","subscriptionListsByType":{"daily":12,"instant":11,"monthly":10,"weekly":13},"title":null,"translatedFromId":null,"translations":{"fr":{"absoluteUrl":"https://www.frontrowinsurance.com/fr/blogue","id":2471031463,"language":"fr","masterId":952267656,"name":"The Front Row View (entertainment insurance blog)","publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"slug":"fr/blogue"}},"updated":1650089754719,"updatedDateTime":1650089754719,"urlBase":"www.frontrowinsurance.com/articles","urlSegments":{},"useFeaturedImageInSummary":true,"usesDefaultTemplate":false,"weeklyNotificationEmailId":"952268106"},"password":null,"pastMabExperimentIds":[],"performableGuid":"","performableVariationLetter":null,"personas":[],"placementGuids":[],"portableKey":null,"portalId":61352,"position":null,"postBody":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><h2>Tribute bands and liability insurance</h2>\n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>\n<!--more-->\n<ul>\n<li>Why risk the loss of your assets, both personal and the band’s?</li>\n<li>Liability policies are a safeguard against mistakes that your band might make in which they would be held liable.</li>\n</ul>\n<h2>So, what is liability insurance?</h2>\n<p>This type of insurance is designed to offer protection against third party (the public) bodily injury or property damage as a result of one’s operations or products.</p>\n<p>The relevance to cover/tribute bands is that in the event that bands are held responsible for the injuries and property damage sustained by an audience member or staff member at the venue, the liability insurance would potentially pay for the medical treatment required by the injured party, and can cover settlement claims resulting from lawsuits.</p>\n<h2>Examples of band liability insurance:</h2>\n<p>An example of a scenario where a band’s liability policy would be of value include if a member of the audience was invited onto the stage while band members were performing and ended up tripping on loose cords and slamming their face into some audio equipment. The coverage afforded under a liability policy would protect the band (policy holder) in the event that they are then sued by any third parties for unintentional damage. A lawsuit can name a band, its manager, an establishment and its landlord in a lawsuit. Liability insurance protection will <strong>not</strong> shorten criminal sentences, but it will take care of the resulting injuries and rehabilitation and potentially legal costs as well.</p>\n<p>While liability insurance should be in place by the owners of the venue where a band will be performing, more frequently <em>the musicians themselves must have liability insurance in place in order to perform at a venue</em>. A band can be sued for its own direct actions; however, other situations where a band and its members could be held liable include: if a piece of equipment drops from the stage and injures an audience member, or if someone were to trip over a microphone cord. In many cases, the owner of a venue requires that performers show proof of their own liability coverage so that their own liability insurance is covered in the event that the performers are negligent.</p>\n<h2>Cost of band liability insurance:</h2>\n<p>Pricing is based on revenue and annual premiums start at US/CAD $500<em> (subject to change)</em> for $1M in coverage. Compare this to the potential costs arising from a lawsuit and the coverage is priceless.</p></span>","postBodyRss":"<h2>Tribute bands and liability insurance</h2>\n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>\n<!--more-->\n<ul>\n<li>Why risk the loss of your assets, both personal and the band’s?</li>\n<li>Liability policies are a safeguard against mistakes that your band might make in which they would be held liable.</li>\n</ul>\n<h2>So, what is liability insurance?</h2>\n<p>This type of insurance is designed to offer protection against third party (the public) bodily injury or property damage as a result of one’s operations or products.</p>\n<p>The relevance to cover/tribute bands is that in the event that bands are held responsible for the injuries and property damage sustained by an audience member or staff member at the venue, the liability insurance would potentially pay for the medical treatment required by the injured party, and can cover settlement claims resulting from lawsuits.</p>\n<h2>Examples of band liability insurance:</h2>\n<p>An example of a scenario where a band’s liability policy would be of value include if a member of the audience was invited onto the stage while band members were performing and ended up tripping on loose cords and slamming their face into some audio equipment. The coverage afforded under a liability policy would protect the band (policy holder) in the event that they are then sued by any third parties for unintentional damage. A lawsuit can name a band, its manager, an establishment and its landlord in a lawsuit. Liability insurance protection will <strong>not</strong> shorten criminal sentences, but it will take care of the resulting injuries and rehabilitation and potentially legal costs as well.</p>\n<p>While liability insurance should be in place by the owners of the venue where a band will be performing, more frequently <em>the musicians themselves must have liability insurance in place in order to perform at a venue</em>. A band can be sued for its own direct actions; however, other situations where a band and its members could be held liable include: if a piece of equipment drops from the stage and injures an audience member, or if someone were to trip over a microphone cord. In many cases, the owner of a venue requires that performers show proof of their own liability coverage so that their own liability insurance is covered in the event that the performers are negligent.</p>\n<h2>Cost of band liability insurance:</h2>\n<p>Pricing is based on revenue and annual premiums start at US/CAD $500<em> (subject to change)</em> for $1M in coverage. Compare this to the potential costs arising from a lawsuit and the coverage is priceless.</p>","postEmailContent":"<h2>Tribute bands and liability insurance</h2> \n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/tribute-band-forweb.jpg","postListContent":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><h2>Tribute bands and liability insurance</h2>\n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>\n<!--more-->\n<ul>\n<li>Why risk the loss of your assets, both personal and the band’s?</li>\n<li>Liability policies are a safeguard against mistakes that your band might make in which they would be held liable.</li>\n</ul>\n<h2>So, what is liability insurance?</h2>\n<p>This type of insurance is designed to offer protection against third party (the public) bodily injury or property damage as a result of one’s operations or products.</p>\n<p>The relevance to cover/tribute bands is that in the event that bands are held responsible for the injuries and property damage sustained by an audience member or staff member at the venue, the liability insurance would potentially pay for the medical treatment required by the injured party, and can cover settlement claims resulting from lawsuits.</p>\n<h2>Examples of band liability insurance:</h2>\n<p>An example of a scenario where a band’s liability policy would be of value include if a member of the audience was invited onto the stage while band members were performing and ended up tripping on loose cords and slamming their face into some audio equipment. The coverage afforded under a liability policy would protect the band (policy holder) in the event that they are then sued by any third parties for unintentional damage. A lawsuit can name a band, its manager, an establishment and its landlord in a lawsuit. Liability insurance protection will <strong>not</strong> shorten criminal sentences, but it will take care of the resulting injuries and rehabilitation and potentially legal costs as well.</p>\n<p>While liability insurance should be in place by the owners of the venue where a band will be performing, more frequently <em>the musicians themselves must have liability insurance in place in order to perform at a venue</em>. A band can be sued for its own direct actions; however, other situations where a band and its members could be held liable include: if a piece of equipment drops from the stage and injures an audience member, or if someone were to trip over a microphone cord. In many cases, the owner of a venue requires that performers show proof of their own liability coverage so that their own liability insurance is covered in the event that the performers are negligent.</p>\n<h2>Cost of band liability insurance:</h2>\n<p>Pricing is based on revenue and annual premiums start at US/CAD $500<em> (subject to change)</em> for $1M in coverage. Compare this to the potential costs arising from a lawsuit and the coverage is priceless.</p></span>","postListSummaryFeaturedImage":"","postRssContent":"<h2>Tribute bands and liability insurance</h2> \n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/tribute-band-forweb.jpg","postSummary":"<h2>Tribute bands and liability insurance</h2>\n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>\n","postSummaryRss":"<h2>Tribute bands and liability insurance</h2> \n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"mXjhLeIc","previousPostFeaturedImage":"http://cdn2.hubspot.net/hub/61352/file-14875622-jpg/images/polar_bears_004.jpg","previousPostFeaturedImageAltText":"Bears and Film Insurance: What to Ask?","previousPostName":"Bears and Film Insurance: What to Ask? | Animal Film Insurance","previousPostSlug":"articles/articles/bid/80995/bears-and-film-insurance-what-to-ask","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publishDate":1323729480000,"publishDateLocalTime":1323729480000,"publishDateLocalized":{"date":1323729480000,"format":"medium","language":"en_US"},"publishImmediately":false,"publishTimezoneOffset":null,"publishedAt":1665692940274,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":null,"rssBody":"<h2>Tribute bands and liability insurance</h2>\n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>\n<!--more-->\n<ul>\n<li>Why risk the loss of your assets, both personal and the band’s?</li>\n<li>Liability policies are a safeguard against mistakes that your band might make in which they would be held liable.</li>\n</ul>\n<h2>So, what is liability insurance?</h2>\n<p>This type of insurance is designed to offer protection against third party (the public) bodily injury or property damage as a result of one’s operations or products.</p>\n<p>The relevance to cover/tribute bands is that in the event that bands are held responsible for the injuries and property damage sustained by an audience member or staff member at the venue, the liability insurance would potentially pay for the medical treatment required by the injured party, and can cover settlement claims resulting from lawsuits.</p>\n<h2>Examples of band liability insurance:</h2>\n<p>An example of a scenario where a band’s liability policy would be of value include if a member of the audience was invited onto the stage while band members were performing and ended up tripping on loose cords and slamming their face into some audio equipment. The coverage afforded under a liability policy would protect the band (policy holder) in the event that they are then sued by any third parties for unintentional damage. A lawsuit can name a band, its manager, an establishment and its landlord in a lawsuit. Liability insurance protection will <strong>not</strong> shorten criminal sentences, but it will take care of the resulting injuries and rehabilitation and potentially legal costs as well.</p>\n<p>While liability insurance should be in place by the owners of the venue where a band will be performing, more frequently <em>the musicians themselves must have liability insurance in place in order to perform at a venue</em>. A band can be sued for its own direct actions; however, other situations where a band and its members could be held liable include: if a piece of equipment drops from the stage and injures an audience member, or if someone were to trip over a microphone cord. In many cases, the owner of a venue requires that performers show proof of their own liability coverage so that their own liability insurance is covered in the event that the performers are negligent.</p>\n<h2>Cost of band liability insurance:</h2>\n<p>Pricing is based on revenue and annual premiums start at US/CAD $500<em> (subject to change)</em> for $1M in coverage. Compare this to the potential costs arising from a lawsuit and the coverage is priceless.</p>","rssSummary":"<h2>Tribute bands and liability insurance</h2>\n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>\n","rssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/tribute-band-forweb.jpg","scheduledUpdateDate":0,"screenshotPreviewTakenAt":1665692940591,"screenshotPreviewUrl":"https://cdn1.hubspot.net/hubshotv3/prod/e/0/1db2da32-c2ea-4c71-98cc-99ccb726b7dd.png","sections":{},"securityState":"NONE","siteId":0,"slug":"articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance","stagedFrom":null,"state":"PUBLISHED","stateWhenDeleted":null,"styleOverrideId":null,"subcategory":"legacy_blog_post","syncedWithBlogRoot":true,"tagIds":[949436814,956557515,956557530,3186200793,3238974970,5465221705],"tagList":[{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401900445000,"deletedAt":0,"description":"","id":949436814,"label":"Musical instrument insurance","language":"en","name":"Musical instrument insurance","portalId":61352,"slug":"musical-instrument-insurance","translatedFromId":null,"translations":{},"updated":1649857146996},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901881000,"deletedAt":0,"description":"","id":956557515,"label":"Venue insurance","language":"en","name":"Venue insurance","portalId":61352,"slug":"venue-insurance","translatedFromId":null,"translations":{},"updated":1666900194897},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901883000,"deletedAt":0,"description":"","id":956557530,"label":"Concert insurance","language":"en","name":"Concert insurance","portalId":61352,"slug":"concert-insurance","translatedFromId":null,"translations":{},"updated":1666900026639},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1438111881424,"deletedAt":0,"description":"","id":3186200793,"label":"Band tour insurance","language":"en","name":"Band tour insurance","portalId":61352,"slug":"band-tour-insurance","translatedFromId":null,"translations":{},"updated":1666899964495},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1438987505673,"deletedAt":0,"description":"","id":3238974970,"label":"Event insurance Canada","language":"en","name":"Event insurance Canada","portalId":61352,"slug":"event-insurance-canada","translatedFromId":null,"translations":{},"updated":1649863292856},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1512519076759,"deletedAt":0,"description":"","id":5465221705,"label":"Wedding insurance","language":"en","name":"Wedding insurance","portalId":61352,"slug":"wedding-insurance","translatedFromId":null,"translations":{},"updated":1649857220798}],"tagNames":["Musical instrument insurance","Venue insurance","Concert insurance","Band tour insurance","Event insurance Canada","Wedding insurance"],"teamPerms":[],"templatePath":"","templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","themePath":null,"themeSettingsValues":null,"title":"Why Even YOUR Band Should Carry Liability Insurance","tmsId":null,"topicIds":[949436814,956557515,956557530,3186200793,3238974970,5465221705],"topicList":[{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401900445000,"deletedAt":0,"description":"","id":949436814,"label":"Musical instrument insurance","language":"en","name":"Musical instrument insurance","portalId":61352,"slug":"musical-instrument-insurance","translatedFromId":null,"translations":{},"updated":1649857146996},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901881000,"deletedAt":0,"description":"","id":956557515,"label":"Venue insurance","language":"en","name":"Venue insurance","portalId":61352,"slug":"venue-insurance","translatedFromId":null,"translations":{},"updated":1666900194897},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901883000,"deletedAt":0,"description":"","id":956557530,"label":"Concert insurance","language":"en","name":"Concert insurance","portalId":61352,"slug":"concert-insurance","translatedFromId":null,"translations":{},"updated":1666900026639},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1438111881424,"deletedAt":0,"description":"","id":3186200793,"label":"Band tour insurance","language":"en","name":"Band tour insurance","portalId":61352,"slug":"band-tour-insurance","translatedFromId":null,"translations":{},"updated":1666899964495},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1438987505673,"deletedAt":0,"description":"","id":3238974970,"label":"Event insurance Canada","language":"en","name":"Event insurance Canada","portalId":61352,"slug":"event-insurance-canada","translatedFromId":null,"translations":{},"updated":1649863292856},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1512519076759,"deletedAt":0,"description":"","id":5465221705,"label":"Wedding insurance","language":"en","name":"Wedding insurance","portalId":61352,"slug":"wedding-insurance","translatedFromId":null,"translations":{},"updated":1649857220798}],"topicNames":["Musical instrument insurance","Venue insurance","Concert insurance","Band tour insurance","Event insurance Canada","Wedding insurance"],"topics":[949436814,956557515,956557530,3186200793,3238974970,5465221705],"translatedContent":{"fr":{"ab":false,"absoluteUrl":"https://www.frontrowinsurance.com/fr/blogue/pourquoi-votre-groupe-devrait-il-lui-aussi-avoir-de-lassurance-de-responsabilité-civile","approvalStatus":null,"archived":false,"archivedInDashboard":false,"audienceAccess":"PUBLIC","authorName":null,"businessUnitId":null,"campaign":null,"created":1575994265147,"currentState":"PUBLISHED","htmlTitle":"Pourquoi acheter de l’assurance de responsabilité pour votre groupe ?","id":23281924881,"language":"fr","mab":false,"masterId":null,"name":"Pourquoi acheter de l’assurance de responsabilité pour votre groupe ?","password":null,"previewKey":"zGTBehDJ","publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publishDate":1575995266000,"published":true,"resolvedDomain":"www.frontrowinsurance.com","securityState":"NONE","slug":"fr/blogue/pourquoi-votre-groupe-devrait-il-lui-aussi-avoir-de-lassurance-de-responsabilité-civile","state":"PUBLISHED","tagIds":[6488947238,24123591116],"teamPerms":[],"themePath":null,"updated":1666900567337,"updatedById":7915797}},"translatedFromId":23281924881,"translations":{"fr":{"ab":false,"absoluteUrl":"https://www.frontrowinsurance.com/fr/blogue/pourquoi-votre-groupe-devrait-il-lui-aussi-avoir-de-lassurance-de-responsabilité-civile","approvalStatus":null,"archived":false,"archivedInDashboard":false,"audienceAccess":"PUBLIC","authorName":null,"businessUnitId":null,"campaign":null,"created":1575994265147,"currentState":"PUBLISHED","htmlTitle":"Pourquoi acheter de l’assurance de responsabilité pour votre groupe ?","id":23281924881,"language":"fr","mab":false,"masterId":null,"name":"Pourquoi acheter de l’assurance de responsabilité pour votre groupe ?","password":null,"previewKey":"zGTBehDJ","publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publishDate":1575995266000,"published":true,"resolvedDomain":"www.frontrowinsurance.com","securityState":"NONE","slug":"fr/blogue/pourquoi-votre-groupe-devrait-il-lui-aussi-avoir-de-lassurance-de-responsabilité-civile","state":"PUBLISHED","tagIds":[6488947238,24123591116],"teamPerms":[],"themePath":null,"updated":1666900567337,"updatedById":7915797}},"tweet":null,"tweetAt":null,"tweetImmediately":false,"unpublishedAt":0,"updated":1665692940279,"updatedById":7915797,"upsizeFeaturedImage":false,"url":"https://www.frontrowinsurance.com/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance","useFeaturedImage":true,"userPerms":[],"views":0,"visibleToAll":null,"widgetContainers":{"Sidebar_Modules":{"deleted_at":1570132179229,"widgets":[{"body":{"overrideable":false,"response_message":"Thanks for Subscribing!","select_blog":"default","title":"Subscribe to Email Updates"},"child_css":{},"css":{},"deleted_at":1570132179229,"id":1489083580926,"label":"Blog Email Subscription","order":0,"smart_type":null,"type":"blog_subscribe"}]}},"widgetcontainers":{},"widgets":{"google_search":{"body":{"prefill_input_with_pathname":false,"search_button_text":"Search","search_field_label":"Search"},"child_css":{},"css":{},"deleted_at":1557930854433,"id":"google_search","label":"google_search","name":"google_search","smart_type":null,"type":"google_search"},"menu_footer_primary":{"body":{},"child_css":{},"css":{},"deleted_at":1570132179229,"id":"menu_footer_primary","label":"Menu Footer Primary","name":"menu_footer_primary","order":9,"smart_type":null,"type":"menu"},"menu_footer_sector_categories":{"body":{},"child_css":{},"css":{},"deleted_at":1557930854433,"id":"menu_footer_sector_categories","label":"Menu Footer Sector Categories","name":"menu_footer_sector_categories","smart_type":null,"type":"menu"},"menu_header_all_sectors":{"body":{},"child_css":{},"css":{},"deleted_at":1570132179229,"id":"menu_header_all_sectors","label":"Menu Header All Sectors","name":"menu_header_all_sectors","order":1,"smart_type":null,"type":"menu"},"menu_header_primary":{"body":{},"child_css":{},"css":{},"deleted_at":1570132179229,"id":"menu_header_primary","label":"Menu Header Primary","name":"menu_header_primary","order":0,"smart_type":null,"type":"menu"},"menu_header_sector_categories":{"body":{},"child_css":{},"css":{},"deleted_at":1570132179229,"id":"menu_header_sector_categories","label":"Menu Header Sector Categories","name":"menu_header_sector_categories","order":2,"smart_type":null,"type":"menu"},"module_156398965931111":{"body":{"definition_id":null,"module_id":8696351,"path":"/Marketplace/HubSpot/Team_Member/Team Member","per_widget_wrapper_html":"","smart_objects":null,"smart_type":"NOT_SMART","tag":"module","type":"module","widget_name":"Team Member","wrapping_html":""},"child_css":{},"css":{},"deleted_at":1650477042089,"id":"module_156398965931111","label":"Team Member","module_id":8696351,"name":"module_156398965931111","order":11,"smart_type":null,"styles":{},"type":"module"},"module_15960847531069":{"body":{"add_form":{"form_id":"bc2586ef-57bd-49ca-a7e3-19ab055ce2c1","form_type":"HUBSPOT","gotowebinar_webinar_key":null,"message":"<p>Thanks for submitting the form. The eBook will be emailed to you shortly.</p>","response_type":"inline"},"add_form_title":"FREE Musical Instrument Insurance eBook:","enable_form":true,"module_id":33051772119},"child_css":{},"css":{},"id":"module_15960847531069","label":"Blog Subscribe New Module 2020","module_id":33051772119,"name":"module_15960847531069","order":6,"smart_type":null,"styles":{},"type":"module"},"module_15965216980304":{"body":{"add_content":"<p>Instrument insurance for Canada’s music professionals: <a href=\"https://musicians.frontrowinsurance.com/\">https://musicians.frontrowinsurance.com/</a></p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<p><a href=\"/musical-instrument-insurance-101\" rel=\" noopener\">Musical Instrument Insurance 101: How to Protect Your Instruments</a><br><a href=\"/articles/musical-instrument-theft-prevention-what-you-need-to-know\" rel=\" noopener\">Tips &amp; tricks to guard your gear </a><br><a href=\"/instrument-insurance-blog/bid/205377/protecting-musical-instruments-at-home-insurance-and-more\" rel=\" noopener\">Protecting instruments at home</a><br><a href=\"/instrument-insurance-blog/bid/205279/6-ways-to-protect-your-instruments-at-airports-and-on-planes\" rel=\" noopener\">Protecting instruments at airports </a><br><a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">Protecting instruments on tour</a><br><a href=\"/articles/summer-and-tours-what-you-need-to-know-about-musical-tour-insurance\" rel=\" noopener\">Musical tour insurance </a><br><a href=\"/articles/band-on-the-run-touring-insurance-tips-for-taking-your-show-on-the-road\" rel=\" noopener\">Band on the run </a><br>Tribute bands and liability <br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-guitar\" rel=\" noopener\">Protecting your guitar</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-drums\" rel=\" noopener\">Protecting your drums</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-keyboard\" rel=\" noopener\">Protecting your keyboard</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-violin\" rel=\" noopener\">Protecting your violin</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-saxophone\" rel=\" noopener\">Protecting your saxophone</a><br><a href=\"/instrument-insurance-blog/bid/118532/stolen-musical-instruments-how-to-make-a-claim\" rel=\" noopener\">How to make a claim</a><br><a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">What is my gear worth in event of claim?</a><br><a href=\"/articles/musical-instrument-insurance-you-may-not-be-covered\" rel=\" noopener\">You may not be covered under homeowners</a><br><a href=\"/instrument-insurance-blog/bid/118744/front-row-instrument-policy-launches-on-line\" rel=\" noopener\">Front Row’s musical instrument policy </a><br><a href=\"/instrument-insurance-blog/bid/117160/instrument-insurance-for-socan-members\" rel=\" noopener\">Insurance for SOCAN members </a><br><a href=\"/instrument-insurance-blog/bid/146779/musical-instrument-insurance-companies-how-to-compare\" rel=\" noopener\">How to compare musical instrument insurance cos.</a><br><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\" noopener\">Blurring the lines of music infringement law</a></p>","enable_rich_text_module":true,"module_id":33156769794},"child_css":{},"css":{},"id":"module_15965216980304","label":"Basic Rich Text Box for Blog","module_id":33156769794,"name":"module_15965216980304","order":8,"smart_type":null,"styles":{},"type":"module"},"name":{"body":{"title":"Why Even YOUR Band Should Carry Liability Insurance"},"id":"name","label":"Title","name":"name","type":"text"},"post_body":{"body":{"html":"<h1>Tribute bands and liability insurance</h1>\n<p><img src=\"https://cdn2.hubspot.net/hubfs/61352/blog-image-uploads/tribute-band-forweb.jpg\" alt=\"Tribute band performing\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></p>\n<p>There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued. &nbsp;While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. <a href=\"/articles/host-liquor-liability-insurance-consider-it-for-your-wedding\" rel=\" noopener\">When alcohol is consumed</a>, the risk increases even more.</p>\n<ul>\n<li>Why risk the loss of your assets, both personal and the band’s?</li>\n<li>Liability policies are a safeguard against mistakes that your band might make in which they would be held liable.</li>\n</ul>\n<h2>So, what is liability insurance?</h2>\n<p>This type of insurance is designed to offer protection against third party (the public) bodily injury or property damage as a result of one’s operations or products.</p>\n<p>The relevance to cover/tribute bands is that in the event that bands are held responsible for the injuries and property damage sustained by an audience member or staff member at the venue, the liability insurance would potentially pay for the medical treatment required by the injured party, and can cover settlement claims resulting from lawsuits.</p>\n<h2>Examples of band liability insurance:</h2>\n<p>An example of a scenario where a band’s liability policy would be of value include if a member of the audience was invited onto the stage while band members were performing and ended up tripping on loose cords and slamming their face into some audio equipment. The coverage afforded under a liability policy would protect the band (policy holder) in the event that they are then sued by any third parties for unintentional damage. A lawsuit can name a band, its manager, an establishment and its landlord in a lawsuit. Liability insurance protection will <strong>not</strong> shorten criminal sentences, but it will take care of the resulting injuries and rehabilitation and potentially legal costs as well.</p>\n<p>While liability insurance should be in place by the owners of the venue where a band will be performing, more frequently <em>the musicians themselves must have liability insurance in place in order to perform at a venue</em>. A band can be sued for its own direct actions; however, other situations where a band and its members could be held liable include: if a piece of equipment drops from the stage and injures an audience member, or if someone were to trip over a microphone cord. In many cases, the owner of a venue requires that performers show proof of their own liability coverage so that their own liability insurance is covered in the event that the performers are negligent.</p>\n<h2>Cost of band liability insurance:</h2>\n<p>Pricing is based on revenue and annual premiums start at US/CDN $500 for $1M in coverage. Compare this to the potential costs arising from a lawsuit and the coverage is priceless.</p>"},"deleted_at":1635188716748,"id":"post_body","label":"Blog Content","name":"post_body","type":"rich_text"}}}

Why Even YOUR Band Should Carry Liability Insurance

Tribute band liability insurance

Tribute bands and liability insurance

There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued.  While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. When alcohol is consumed, the risk increases even more.

  • Why risk the loss of your assets, both personal and the band’s?
  • Liability policies are a safeguard against mistakes that your band might make in which they would be held liable.

So, what is liability insurance?

This type of insurance is designed to offer protection against third party (the public) bodily injury or property damage as a result of one’s operations or products.

The relevance to cover/tribute bands is that in the event that bands are held responsible for the injuries and property damage sustained by an audience member or staff member at the venue, the liability insurance would potentially pay for the medical treatment required by the injured party, and can cover settlement claims resulting from lawsuits.

Examples of band liability insurance:

An example of a scenario where a band’s liability policy would be of value include if a member of the audience was invited onto the stage while band members were performing and ended up tripping on loose cords and slamming their face into some audio equipment. The coverage afforded under a liability policy would protect the band (policy holder) in the event that they are then sued by any third parties for unintentional damage. A lawsuit can name a band, its manager, an establishment and its landlord in a lawsuit. Liability insurance protection will not shorten criminal sentences, but it will take care of the resulting injuries and rehabilitation and potentially legal costs as well.

While liability insurance should be in place by the owners of the venue where a band will be performing, more frequently the musicians themselves must have liability insurance in place in order to perform at a venue. A band can be sued for its own direct actions; however, other situations where a band and its members could be held liable include: if a piece of equipment drops from the stage and injures an audience member, or if someone were to trip over a microphone cord. In many cases, the owner of a venue requires that performers show proof of their own liability coverage so that their own liability insurance is covered in the event that the performers are negligent.

Cost of band liability insurance:

Pricing is based on revenue and annual premiums start at US/CAD $500 (subject to change) for $1M in coverage. Compare this to the potential costs arising from a lawsuit and the coverage is priceless.

FREE Musical Instrument Insurance eBook:

Submit a comment