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DJ insurance – Does yours cover ALL of your equipment?

To get the top gigs at the hottest venues you have of course got to invest a significant amount of money on state-of-the-art equipment. This armada of equipment has not only a monetary value though, but also a more intrinsic value. Without this equipment you would be unable to put on the show that you promised your punters and the venue, and your whole business could be in jeopardy.

Your DJ insurance can effectively prevent this scenario or at least limit its catastrophic effects, but you need to make sure that your policy covers all of your equipment and not just the most obvious.

DJ insurance – Beyond the basics  
Your decks, stacks and laptops are of course the obvious bits of equipment that you’ll insure. When doing so you should make sure that you have provided the insurance company with an accurate assessment of their worth. But are these key components enough to carry out your show to its full extent? Here are a few additional things to consider when purchasing your DJ insurance.

  • Lights – If you take your own lights to your gigs then they are undoubtedly a significant part of your show. You should make sure that they are properly covered against theft and accidental damage.
  • Additional effects – Smoke machines, bubble machines and snow machines – whatever your style, be sure to include these additional effects when valuing your equipment.
  • Monitoring equipment – It might seem like a small, trivial piece of equipment, but when a pair of DJ headphones can cost upward of £300, it’s vital to get them insured.
  • Carry cases and bags – Try lugging your equipment around without its various carry cases and you’ll soon realise how important it really is to you! If you’ve got a lot of equipment then the cost of the additional accessories needed to store and transport it can really rack up.
  • Vehicle – Last but not least, your van or car is an essential asset, and it may be prudent to get cover for it that will provide you a with suitable alternative vehicle to use if it experiences mechanical issues, is involved in a collision or is stolen.