Mark2 -> RE: Is is worth it to become a guitarist? (Jul. 11 2024 21:43:30)
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Well of course I agree but the reality is you could get sued. It doesn't mean they will win, but if they do, you won't have to sell your guitars if you bought the coverage. My day gig business is selling commercial flooring projects. I have employee installers. I spend so much on insurance of every kind-worker's comp for my guys, liability in case someone trips in my warehouse or my guys do something. Commercial auto....literally tens of thousands in premiums every year and zero losses.....so far. Providing that insurance is part of the contracts. No insurance, no job. Hell, car insurance has become so expensive-what a a business, collect premiums, then try to not pay claims.....and homeowners in CA-you can't even get fire insurance in many parts of the state now. quote:
ORIGINAL: Ricardo quote:
So interesting. Several years ago my agent told me that I needed to provide liability insurance for my band for a corporate gig. I said he should have told me before he quoted the job, and he said that I needed to accept it because it was only going to happen more and more. And I thought about it and realized that as the leader if some drunk guest tripped over a cord, or a bandmember did something stupid, I could get sued. Only a few times this happened to me I called BS on it. First of all, it is not the band’s responsibility. What this is, is the VENUE trying to put the responsibility on the CLIENT which is already a red flag, but still, they are then putting it on the Band. It could be because said venue had some problem in the past and don’t want the headache ever again, but honestly this is too damn bad, it is how life works. Like you have a party at your home, guess who is responsible for bad **** that happens? Everybody knows this, and it is preposterous to force your guests to sign a waiver, but to be honest, bands should be fine to simply do that as part of a contract or something. Nobody should be wasting a dime on “liability insurance” other than the damn VENUE that is the one actually making money on the event. Venders provide a food menu and it is on the client to warn the guests about food allergy, and a big etc. A band or DJ or whatever has nothing to do with this stuff. The venue is scared for a guitar player getting a drunk girl flirting and then the boyfriend get in fight. They want that to be on the client/band not the venue which is frankly not how life works. I have suggested to brides and such to change venue, problem solved.
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