Gary You said it The lawyers will go after whomever they can get the most from . Defiantly think it's good to have the,coverage and it doesn't"t cost that much. As I said they Insurance companies will go back and forth and then settle.
I'm very aware of how I set thing up on a gig for that reason.
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Bill in SC --- Roland BK9 (2) Roland BK7M, Roland PK5 Pedals, Roland FP90, Roland CM30 (2), JBL Eon Ones (2) JBL 610 Monitor, Behringer Sub, EV mics, Apple iPad (2) Behringer DJ mixer