Re: Performance insurance

[allen watsky <awatsky...>]

Well in the states it "was" unnecessary to have liability coverage for a
band. It just never came up. The onus AFA liability went was on the venue.
Its only in the last 15 or so years that this liability coverage thing has
come up with any frequency.
   I have liability coverage for my business which covers my band work when
needed and costs way more than 500 bucks BTW . So that's cool, but although
I do feel comfortable knowing I have that coverage it still seems a bit
strange that it would be seen as a necessity.
   A server who incurred hearing damage would be covered by her employers
policy, under disability ? Who knows ? Its really just another repressive
measure. Not intentionally I suppose, it just makes the insurers more money.
I don't know anyone who has ever been sued, for anything other than bait and
switch or other contractual non compliance. Liability doesn't cover that. AW


----- Original Message -----
From: "r l reid" <ro (at) panix(dot)com>; "r l reid" <ro (at) panix(dot)com>
To: "World music from a Jewish slant" <jewish-music (at) shamash(dot)org>
Sent: Wednesday, January 07, 2004 11:59 AM
Subject: Re: Performance insurance


> Dawid & Moericke wrote:
> > > no presenter I know would make the hired help bring their own
> > > insurance
>
> What hired help?  You're a business.  It's one thing if they hire you
> as a workman to sing.  If you are a business (and hopefully you
> are organized as some kind of limited liability entity, for your
> own sake), you are a contractor.
>
> What will you do if the catering hall sues you?   If the people who
> hired you for thier simcha sue you?  You're not going to rely on them,
> are you?
>
> Addriene's example is a perfect case?  What if that poor waitress had
> suffered permanent deafness from the speaker incident?  Hardly the
> catering halls or simcha organizers fault - not that that would stop
> a case from being brought against them as well.
>
> Do you drive without insurance?
>
> While its true there is a lot of stupid litigation, it is also
> surely incumbent on us to protect ourselves in case our actions
> or lack of action lead to a real loss.   Hopefully you have not only
> insurance but some kind of limited liability entity as well so the
> guy who does trip over that mic cable doesn't get your house.
>
>
>
> --
> r l reid ro (at) rreid(dot)net
>
>
>
>


---------------------- jewish-music (at) shamash(dot)org ---------------------+