I find that hard to believe. Sounds like bad T bar placement. How did the T Bar collapse? Objects just don't fall on their own accord on people.
Also, LED Lighting weighs a lot less than lights did years ago. I don't see 30 lbs of plastic lights falling on people and sending them to the hospital.
T Bar stands should be out of the way of guests, and I just don't see how a stand can fall on someone without said person severely falling into the stand legs tipping the stand over.
T Bar Stands should be set up behind the DJ Table for maximum safety. Or away from dance floor far enough where the stand is not disrupting foot traffic.
The only reason I carry insurance is because there is that 1 venue a year that requires it. Wont ever have a situation arise where it is needed.
Use a contract. Contract states: " The Purchaser hereby assumes responsibility for his/her guests, customers, staff, and agree to maintain conditions that will not inhibit the performers, nor cause loss or damage to the artist or their equipment"
If a guest at a event falls into my TriPod causing it damage, they or the client are the ones who need to fork out $$$ for replacement...It's not the other way around.
In Cap's case with the kid with the cracked head. Why should insurance have to pay anything out? The Clients signed off on having the game at their event. If a Kid cracks their head by falling doing a limbo game, you the performer DID NOT cause that injury.
If you send your child to school, and the school has Recess, and your child falls off the monkey bars at recess, do we go after the school's Insurance policy because our child got injured playing on their monkey bars during recess? The answer is NO.
Sorry Little Johnny got a booboo playing Limbo. He should have been more careful. Kids fall and get hurt all the time...Put a cold compress on it, and a band aid or two, and keep on truckin'
Now If I accidentally whacked the kid in the head with a hard limbo stick then yeah...that's definitely on me.
...That is why I use a blow up inflatable limbo stick
Maybe it is a good idea to bring a rubber or soft safety mat to put on the floor where the limbo is taking place for additional protection!