EFDSS's insurance broker is Bryan James, I don't know who the actual policy is with. I know from experience that they are happy to deal with individual queries.

Cover is limited to events of no more than 500 people, so most festivals would have to arrange their own insurance. Event coverage is intended for things like dance and song clubs. Cover for individuals is probably aimed at amateur and semi-professional performers. Full-time pros are not currently excluded but would need to decide for themselves if it is adequate for their purposes.

The problem with the proposed change in 2019 is that it did not allow the event to charge more than was needed to cover its costs. Many regular events aim to make a surplus, although this is retained to run future events and not kept by the organisers as profit. The intention may have been to exclude only events run on a commercial basis for profit, but the wording was unclear and even contradictory. Thankfully they changed it following protests.