In this discussion the organisers "passing the buck" was raised a number of times and provided your Risk Assessment Documentation /Safety policy is worded carefully there is no way any buck can be passed to the band, visa versa in fact .As Dennis states it is up to the band to work with the organisers and in their experience point out some of the hazards associated with our dances.
Many dances in barns for example use straw bales as seats. They used to light up cigarettes whilst sitting on them in the past.
A few musicians have been electrocuted on stage. I would like a pound for the number of times on stage I have been standing in a puddle of beer. Electrical safety is a vital requirement, if you consider the conditions unsafe on arrival to a gig ,refuse to use the PA.
Young children running about should be controlled (I forgot this one in my list). A lovely polished floor for children is great fun if they find out that if they run at speed and sit down they can slide the whole length of the floor on their bottom.The fact that they slide between dancers legs is not even considered as dangerous by their parents.
Most accidents are caused by carelessness or faulty equipment.
I have always been totally untrusting of Insurance Companies and if an accident was caused by your electrical equipment being faulty and untested they will walk away from it.
We have to put up with a lot for the love of our music and the joy of people loving our dances, In return we have to put up with barns, that once dancers dance, fills the barn with dust, insect bites, noise complaints, speed of music complaints, screaming kids, dancers who never dance.
Great fun though.
Al