Insurance & Liability

As a booking coordination service, MWT is responsible for:

• Verifying supplier identities and reviewing portfolios before listing
• Communicating your requirements accurately to the assigned supplier
• Issuing written booking confirmations and financial records
• Acting as an intermediary if a dispute arises between client and supplier
• Confirming DBS status for teachers working with minors before a booking is finalised
• Providing a complaints and escalation process (see our Complaints Procedure)

Nothing in this page limits your statutory rights as a consumer. MWT’s liability is limited to the coordination fee paid, not the total booking value.

All suppliers accepted onto the MWT platform are expected to hold appropriate insurance for their trade. MWT strongly recommends that suppliers maintain:

Public Liability Insurance (PLI)

A minimum of £1 million cover is standard for performing musicians and event-based suppliers. Many venues require proof of PLI before permitting a performance.

Equipment Insurance

Instruments, PA systems, and other performance equipment carried to events should be covered against loss, theft, and accidental damage.

Income Protection (recommended)

Freelance musicians and teachers are advised to consider income protection or professional indemnity insurance appropriate to their trading structure.

MWT may ask suppliers to provide evidence of valid PLI before accepting bookings at certain venues or events. Suppliers who are members of the Musicians’ Union (MU) or Incorporated Society of Musicians (ISM) typically receive PLI as a benefit of membership.

Before confirming a booking, clients are encouraged to:

• Confirm with their venue that the supplier’s PLI is accepted (some venues require a minimum of £5 million cover for large events)
• Check that their event insurance (if held) covers third-party performers and contractors attending the event
• For private venue hire: verify with the venue operator that their building and public liability insurance covers the event type and guest count
• For lesson bookings involving children: confirm with MWT that DBS status has been verified before the first session

MWT is happy to assist with any of the above checks. Contact us at admin@temmykeys.com before your booking is confirmed if you have specific insurance requirements.

Suppliers engaged through MWT are treated as independent contractors. Each supplier is responsible for their own tax affairs, including self-assessment returns, National Insurance contributions, and VAT registration where applicable.

MWT does not deduct income tax or National Insurance at source. Suppliers who are engaged on a regular or ongoing basis (particularly teachers with recurring lesson schedules) are advised to seek independent advice on their IR35 status and employment classification.

Nothing in the MWT booking arrangement is intended to create an employment relationship between MWT and any supplier.

If you experience a problem relating to insurance or liability — such as a supplier causing damage at your event, or a dispute over a claim — contact MWT as soon as possible:

MWT will act as intermediary and, where appropriate, connect you with the supplier’s insurer or assist you in gathering documentation for a claim. See our Complaints Procedure for escalation options if a dispute cannot be resolved directly.