Freelance Musician--are you insured?

   Thanks to the Utah Legislature ( my home state ), freelance musicians, as of July 2011, are required to show proof of Workmans' Comp Insurance AND Liability Insurance. This applies when performing at any hotel function, school function, wedding reception center and, well, pretty much EVERY gig.  The Local Muscians' Union 104 Newletter will soon publish information about this which I will re-post on my blog.   Without this insurance, you may show up at the gig and not be allowed to play. 
   Already, I have run into an instance ( Salt Lake Sheraton Hotel) where the venue insisted on proof of these coverages.  Stay tuned to this blog for updates and more details as I learn them and be sure to raise your prices and pass them on to the client.   It looks like each will run into several hundred dollars per year.