Hi MJM
I wanted to reply to you without going into to much detail, but you can see from my post that it just wasn't possible.
A person I know (don't think I can list the company due to forum rules) deals with insurance and contracts. She puts together insurance programs for Entertainers and big businesses.
She recently wrote one program to cover a world wide tour for a very well known singer. The insurance program covered every employee (personal trainer, beautician, and security included), extra musicians, contractors and equipment on the tour.
By Contract, offered reimbursement and /or compensation for lodging, travel, meal plans, life insurance, and Medical/Dental benefits while on tour. The contract also stated tour dates, times, rehearsals, expectations for each employee depending on what your role was. I don't recall the exact verbiage, but Full time employees get to fly in their immediate family to some gigs !
If the tour was canceled, or, you were let go for some reason, you were paid in full.
This program took months to create. I also could not believe the layers,limits of insurance and different carriers that make up these programs. These programs are not cheap. This is big business.
So I guess it depends on the artist.
It doesnt hurt to ask about compensation and types of insurance available to you while on tour in leui of ones own personal insurance. Touring groups most likely have an insurance policy. Some elaborate, some not. All businesses do. Its just good to know for piece of mind. I dont think asking these questions will prevent someone from getting the gig.
Peace