Actually, public liability insurance is quite cheap. UK shops usually have £5 million cover free with their contents insurance. We have ours along with employers and professional indemnity. If you dance in public, you normall join a national morris dancing organisation (like The Morris Ring or Open Morris). The membership fee includes free 3rd party cover. Is there some choirs association which you could belong to, 'cos if so they will probably provide cover.

Why doesn't the venue already have it in place, though? it should have by law if it ever does anything at all. I'd huess that a hotel should always have cover (in the UK, anyway).

Cheers!
Ian