well I can see that if you're running a business, and you intend to display at 30+ craft fairs a year, it could be worth buying an annual public liability insurance.

But, like Peter above, I've looked into it, and it's not cheap. The cheapest I've found for single-event PLI is £80, which rules out my hiring the CSH bar. If I were a professional promoter of music events, I'd probably join the Musicians Union (which costs around £170 per year).

the stupid thing about hire of the CSH bar is that it is appealingly cheap for a night – £60. But as soon as you factor in the 80 quid PLI, you're immediately better off hiring any number of other London venues at the £100-a-night level.