One thing I don't understand - be grateful if anyone could clarify.

I am putting on a concert and a stipulation of the hire is that I have PLI "as a promoter", not "as a musician". Apparently the former not covered by EFDSS membership: it only covers you "as a musician" for any accidents that might be incurred by audience members.

In practice, I don't understand this distinction.

Largely because I intend to be playing at the event. In fact I don't even intend to be "promoting" it much - it's just me playing and some musician friends. The audience will be largely our mates and families.

So aren't I a musician in this instance? When does a musician become a "promoter" for PLI purposes? The second there is an audience?