[dcab-l] Does anyone have experience/recommendations in regard to band liability insurance?

We’ve been gigging regularly for about 3-4 years and have never incorporated, so essentially I’m a sole proprietor. 

 

Once, a winery inquired as to whether we had liability insurance, then someone else higher up in the organization followed up, retracting the concern.   I recently received our second request in 3-4 years for a private event that we’re going after… Apparently, the last DJ that worked at this venue let go of some equipment and it rolled down a ramp and into a wall, causing some damage. 

 

I have no doubt that I should incorporate and have insurance purely to contain the risk of personal liability for myself and my bandmates.

 

Does anyone have recommendations for companies that provide this type of insurance, (particularly to unincorporated sole proprietors or for musicians)?  Any information on rough costs?

 

Thanks,

 

 

Richard Hinman

Split String Soup

804.310.6061

Hinman.richard@gmail.com