All You Need To Know About Mobile DJ Insurance
The summer BBQ offers in the supermarket have already been replaced with aisles of trick-or-treat bumper packs and spooky dressing-up outfits for Halloween. And the glitter of tinsel and ho-ho-ho of the festive season are just a reindeer’s leap away.
That means no shortage of parties, discos, and corporate events lining up over the coming months, which will help keep Mobile DJ businesses fully booked night after night from October right through to the New Year.
All those extra party dates for spinning your decks can be a real money-spinner too. But if you’re a DJ, or thinking of setting up as one, you’ll need to sit down and go through the essential admin first.
As important as planning the perfect set list and lighting, if you want to make the most of your DJ-ing opportunities over the next few months, take some time to check you’ve got the right Mobile DJ insurance or you could find yourself in more of a Thriller than a Boogie Wonderland.
Top three insurance essentials for DJs and mobile discos
1) Equipment
Your audio and lighting equipment can be worth £thousands of pounds. It’s at risk of theft or accidental damage in your home, your van and at the venue where you’re performing. Comprehensive insurance, and a quick, easy claims procedure, are essential if you want to stay packing the dance floor and bringing home the cash. Don’t be tempted to skimp here. If you underestimate and need to make a claim, you may be unable to replace your equipment and your business will suffer.
2) Public liability
Did you know that you can be sued by a member of the public if something connected to your DJ business causes injury or damage? That could be anything from tripping over wires or equipment or even accidental electrocution from your electronic equipment. It could even mean damage to the venue caused by your electrics or even damage to hearing from your speakers.
Today’s ‘no win, no fee’ culture makes it easier than ever for someone to make a claim against your business, and solicitor costs can quickly stack up even if you’re not found liable. For your peace of mind, public liability insurance will pay legal fees as well as any compensation awarded. You’ll also find that some venues will now only book you if you can show them that you have sufficient up-to-date public liability insurance.
3) Personal injury cover
If you are injured in an accident and can’t do any gigs for a period of time, personal injury insurance can cover the cost of your loss of earnings. An essential if you rely on DJi-ng to pay your everyday bills, it gives you peace of mind.
Shopping around for the best deal
Just like the price of groceries at different stores, the price between identical insurance policies can vary greatly between insurance companies. Improving your profit margin starts by minimizing your outgoings, so taking the time to ring around for some prices, so you can choose the best deal out there, is an essential to boost your DJ business.
Whilst looking for the best price, it’s also important not to underestimate the value of your equipment or skimp on public liability. If you do need to make a claim and you’re not effectively covered, you could find yourself seriously out of pocket and that could threaten your whole business or worse.
If you’d rather be checking out the latest tunes than talking insurance, use a specialist insurance broker you can trust to do this hard work for you.
At Park Insurance, we have many years of experience working with leisure and entertainments businesses, and we’re the preferred broker for some of the UK’s leading insurance providers. This helps us to understand exactly what you do and don’t need and to access the best prices on Mobile DJ insurance cover that you can count on.
Give us a call now on 0117 955 6835 to find out more and for a free, no obligation quote.