Types of entertainment and leisure public liability insurance
A wide range of industries require public liability insurance. Even so, there is still a lot of confusion about exactly what it is. Essentially, public liability insurance is a specific type of policy that covers the insurer for third party claims that could be brought against them as a result of the performance of their particular business responsibilities.
In order to compare insurance premiums for entertainment and leisure public liability policies or individual showman’s public liability insurance, it is important for businesses and traders within this particular industry to understand the specific requirements they need to meet. The director or producer of an entertainment or leisure operation, however large, will find it just as necessary to consider such insurance policies as any other type of business.
Covering everything from ‘one man band’ operations to larger companies and entertainment venues that require ongoing cover, entertainment and leisure public liability insurance is available in a variety of different forms.
There are many different branches of entertainment and leisure public liability insurance or showman’s public liability insurance, and the suitability of these different types will depend on the service or type of entertainment on offer. Specifically, a leisure venue or entertainment group may wish to protect themselves from the public and possible third party claims. There are a number of different reasons why this may be necessary.
For example, a production company may risk infringing copyright law or unintentionally making a comment that could be considered libellous. It may also be possible for a member of the public to incur injury or loss of property at an event or entertainment venue. As such, it is necessary for insurance companies to provide both short and long term insurance deals to businesses within this industry.
Musician’s public liability insurance
One policy type worth discussing in detail is musician’s public liability insurance, available in support of working musicians who wish to cover themselves for any claims that may be made against them in the course of their entertainment career.
Due to the nature of this work – both unique and broad in scope – recommended insurance may be particularly complex, with a number of factors to be taken into account. In particular, then, musician’s public liability insurance will protect the insurer where other members of the public may become injured or lose property as a result of the specific work they perform.
Law does not require public liability insurance to be obtained, but many venues will require a musician to have invested in a suitable policy before allowing them to perform. It may seem that liability insurance is an unnecessary extra expense as a working musician, however, there are many reasons why a claim could be made; very simply, for example, a piece of equipment may cause injury to an audience member.
Whether these incidents are the musicians fault or not, such incidents are not only stressful and frustrating but could also result in very high expenses and fees. Many insurance companies will allow the performer the chance to build their own tailored policy, with basic cover usually starting at approximately £1 million.
Tags: entertainment and leisure public liability, musicians public liability insuranceB2B infos
