I've got my gear insured and with that they also threw in public liability insurance too as part of the deal. Not that i was too concerned about that, I was more worried about my gear getting nicked! I think some more pro function and wedding bands often have it for piece of mind.

Would the venue be responsible if an accident happened to a customer? Basically we're a sub contractor to the venue I suppose. I've no idea whose liable!

The times we live in! Perhaps I might drop a speaker on my foot and claim off my own insurance, would that work?