We are currently rehearsing in a building, owned by the local authority, with a view to entering into a formal tenancy agreement after certain essential works have been done. All being well, we should be very much "at home" for years to come. We have an informal arrangement with a community choir who would like to use our bandroom once a week to rehearse, and interest from another group. We are wondering if anyone else who has similar experience can give us any pointers with regard to insurance - particularly Public Liability - matters when others are using the room with none of our people present. We have PL cover , at levels required by the local authority but it is not clear where we would stand if someone was injured (by tripping over a stand or slipping in a corridor for instance) whilst using our facility. All comments welcome - thanks.