What if the organisation employs a gardener?
DJ insurance is usually composed of several different covers that address your most commonly encountered risks.
Public liability
DJ public liability cover protects against claims made by members of the public for injury or property damage. If an event attendee trips on one of your wires and hurts themselves, or you accidentally damage a client's personal property when moving your equipment around, you could be faced with a costly claim.
Public liability insurance can cover legal fees, medical costs, and compensation in the event of a third-party claim.
DJ equipment insurance
The tools of your trade are integral to your business operations. If an overexcited partygoer spills a drink or your laptop or gear is stolen, it can be a race against time to secure a repair or replacement before the next event booking. Unless you have the finances to quickly purchase a replacement, DJ equipment insurance cover is the best way to keep the beats pumping and your income flowing.
This type of cover will protect everything from decks and laptops to your lights and speakers.
Personal accident
Your skills and reputation are what keep your wedding season and sessions at the nightclubs fully booked. Your customers want you, so what happens if injury or illness prevents you from working? Personal accident cover offers financial protection should you need to take an extended period away from your decks.
Professional indemnity
Professional indemnity cover allows you to defend claims targeted against the quality of your work. A bride who claims you ruined her reception or a club that claims your bad set cost them revenue could make a compensation claim. In an industry built on reputation, this can be a very useful cover to hold.
Performance cover
Performance cover can safeguard your finances if you need to suddenly hire in equipment and it can be used to reimburse lost earnings if a gig is cancelled for unforeseen circumstances.
FAQs
Can I get DJ insurance for a one-off event?
Most insurance policies cover an annual schedule of gigs. Event insurance may be a better option if you want to insure a single event.
Will my equipment be replaced old for new?
Many policies will replace on an old-for-new basis. When taking out DJ equipment insurance, you should calculate the cost of replacing your current equipment using undiscounted prices of the same or similar model from a trusted retailer.
If my equipment loses value after a repair, will I be compensated?
To ensure you're never left out of pocket, you can ask that your policy include compensation for depreciation after repair.
DJ insurance from Park Insurance can be carefully tailored to meet the needs of your entertainment business. Whether you work locally or take gigs abroad, we can add the right types of cover to keep your finances and reputation safe. Get in touch today to see how we can protect your DJ business.