Russ....you can get it to cover any situation you desire....as long as you pay for it.
Around here you need $1,000,000 to $2,000,000 liability Insurance plus equipment coverage for most highend Banquet halls mandatiory for Bands/DJ's. They all ask for yoru certificate before you play.

[This message has been edited by Dnj (edited 12-09-2004).]