Originally posted by KiloHotelphoto If you're a working professional though you will want to get a policy with liability coverage also. If someone trips over your bag or a light stand you will want to be covered for that.
Good advice! I've seen almost that exact scenario:
Our community chorus group was required to have a million dollar liability policy to use the facilities at a local university. That came in handy when a wayward runner tripped over the briefcase which our director had set down on the campus sidewalk while he chatted with somebody before a rehearsal session. (Fault on both sides, but guess who got sued!?) We also had somebody (in the group) trip on some risers and break a leg. I don't remember the outcome of that, but I'm sure the insurance company got involved.
You can't be too well covered these days!!