A common claim entertainers and performers face is a party guest tripping on their equipment. If they trip on your speaker cords and sustain an injury, you can be held responsible for any medical bills because of failure to maintain a safe environment.
If your sound equipment or instruments sustain damage during an event – from spilled refreshments or an accident from an attendee, tools & equipment coverage can come in handy to help you replace your tools of the trade! This is an optional coverage that you can add to your base policy.
And finally, if your equipment damages the venue’s property, like scratching the hardwood floor, you can be held liable to fix the damage caused. With insurance, you wouldn’t need to pay for all of these expenses out of your own pocket. You would be able to file a claim and have professional assistance.