If you’re working on a job as in independent contractor (1099) and you get injured, it’s very possible that your personal health insurance will not cover you. For example, I’m covered under my wife’s health insurance which takes care of all my medical bills relating to non-work life. If I’m working for an employer under a W-2 full time type position, if I get injured at work I am covered under Workmen’s Compensation policies. If I take an independent job on the weekend and I’m injured there, neither policy will cover me.
Here’s an article from a leading insurance broker that offers policies to entertainment professionals. This is in no way an endorsement of their product, nor have they compensated the Event Technicians Association for this article.