What else might I consider?
If you are often on the road and use a van to get to gigs, make sure you’ve got appropriate van cover. Being upfront and honest about your mileage is very important as frequent travelling increases the risk of becoming involved in an accident and your insurance provider needs to factor this in when calculating premiums.
If you’d like to cover your equipment against theft or damage, consider taking out equipment cover. Remember to check your policy exclusions, though, as some covers don’t extend to kit left in a vehicle overnight. If you’ve got anything particularly expensive, such as sound systems or DJ equipment, then make sure you’re clear about this and get an adequate insurance for business use. If you store equipment at your business premises, you may also want to look for commercial buildings and contents insurance.
Don’t be tempted to skimp on cover – the best policy might not be the cheapest, it’s more likely to be the one that’ll give you adequate protection.