What type of DJ Insurance do I need and why?
You have Homeowners, Renters, Auto and Healthcare insurance, right? DJ insurance for your DJ business is just as important. DJ liability insurance can protect you against many of the risks and exposures of the job. Some of the exposures are obvious, like damaged equipment, while others are not so apparent, but just as risky. With so much invested, the last thing you want is an incident to occur causing a devastating financial loss to your DJ business. It’s important to have the right insurance coverage regardless of your level of experience, income or frequency of work.
Which type of DJ Insurance is best?
The insurance you choose depends on your business needs. There are two main types of DJ liability insurance to consider.
Equipment Coverage: Equipment coverage protects your DJ business for damage or loss of DJ equipment that you use in the course of your business. DJ equipment is costly and while high-end equipment is built to last, accidents do happen. Your DJ equipment insurance can protect you. Some examples of why you might need DJ equipment insurance are:
Damaged Equipment: You are traveling from your home to the event. When you get to the event, you realize that your DJ equipment was damaged during transit. Without insurance, you could be out hundreds, if not thousands, of dollars. Your mobile DJ insurance policy can cover all types of equipment including turntables, speakers, and even smaller items like your records.
Stolen Equipment: You have stepped away from your equipment to talk to the event planner and when you return the DJ stand for your CD player is missing. An uninsured DJ has little recourse outside of just filing a police report. With DJ insurance, you can get reimbursed for the value of equipment that you have insured and could not be recovered.
Coverage when using someone else’s equipment: When you rent a car on vacation, your insurance policy will likely offer some sort of protection in the event of vehicle damage, even though you’re behind someone else’s wheel. DJ insurance works the same way in covering you if you’re behind another DJ’s equipment.
General Liability Insurance: General liability insurance protects your business from another person or business’s claims of bodily injury, associated medical costs and damage to third person’s property. Some examples of general liability insurance for DJs are:
Bodily injury: You are on stage and suddenly someone trips and falls on the cord of your DJ mixer and are rushed to the hospital. It may seem far-fetched, but there is precedent for attendees suing the entertainment when things go sideways, even in instances where the DJ is not necessarily at fault. If you’re sued because they were hurt at your event, you could potentially be held liable for injury. Your DJ insurance could protect you from the legal costs.
Property Damage: Let’s say you are talking to the organizer while setting up your DJ equipment and accidentally spill liquid on the stage curtains which are white. He may sue you for causing damage to his property. Your DJ liability insurance may cover the claim up to your general liability policy’s limits of liability.
Why choose World Events Specialty for your DJ Insurance?
Immediate access to your certificate of insurance: When signing up with World Events Specialty, DJs are granted instant access to a DJ certificate of insurance with their name on it. That is clutch for when you have a gig in the near future and you need proof of insurance in order to play the venue.
24/7 access to policy documents: DJs can view and edit their policy documents using your customer portal link. The portal is accessible at all times, making it ideal for a profession with offbeat hours. When you need to adjust on the fly or confirm what’s covered under your policy, simply log in and get what you need within minutes.
Insurance tailored for DJs: World Events Specialty understands that your business is unique and our DJ insurance is customized to meet the needs of DJs.
Top Notch Business Ratings: World Events Specialty Insurance only uses carriers with a rating of “excellent” by A.M. Best, which rates insurance companies based on their ability to pay claims..
World Events Specialty Gets It: The record shows that World Events Specialty is a company that truly understands the music and entertainment industry. For years, World Events Specialty has insured some of the world’s biggest festivals and events. With experience on the biggest stages imaginable and for all types of entertainment technology professionals, you can rest assured that World Events Specialty is prepared to handle any situation.
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