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Once again, it's time for the FNGT!

If you don't know how this works, click this link (fngt.gq). That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down.

NOTE: That site is by invitation only. If you want an invite, and you're a regular participant, then just ask theBuddha, or myself.

If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only.

Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then you can donate.

**Once again, it's time for the FNGT!** If you don't know how this works, [click this link](https://fngt.gq/index.php?page=intro). That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down. **NOTE:** That site is by invitation only. If you want an invite, and you're a regular participant, then just ask theBuddha, or myself. If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only. Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then [you can donate](https://poal.co/donate).

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[–] • 0 pt

Insurance cant be all that much, can it?

[–] • 0 pt

Not even remotely (for event insurance). You can get a full year's worth of 1 mil coverage for anywhere from $200 to $1500, depending on who you go through and what you might want to add on. For about $400 you get replacement insurance for equipment. Anything over 25k won't have a deductible. Liability insurance isn't that bad, though you may need a per-location documentation. Once you've done it for one venue, you can just renew it yearly if you plan on playing there regularly.

It's pretty simple stuff to deal with.

[–] • 0 pt

So for generally less than a hundred bucks a month they can be covered in case of disaster or pretty much any sort

[–] • 0 pt

Pretty much... There's other insurance, like insuring the truck, but it all gets written off, meaning the income that paid for it wasn't taxed.

It's pretty stupid to be a professional musician without insurance, regardless of the venue. It's like driving a car without insurance - when you can't afford to cover the expenses if you end up causing a damage.