As a sub contracter, I feel it's my responsibility to make sure nothing of MINE casuses harm to anyone. I carry a liability policy for $1,000,000 dollars to insure against injury or hardship caused by my negligence. Add alcohyl & dancing to the picture and who knows WHO will be blamed for anything. The simple fact is - as a contracter, I need to cover MY business when I take it on the road. We don't work FOR these venues .... they are our CLIENTS. We work together.....or should, anyway.
Thankfully - I've never filed a claim or had a suit brought against me.
My advice - GET the insurance.