DJs may be at risk of third-party bodily injury and property damage claims, making having the appropriate business insurance essential.
USADJ can provide DJs with comprehensive small business insurance packages, such as general liability and equipment protection (inland marine). Their convenient online process makes accessing certificates of insurance simple as well as adding venues as additional insureds.
General Liability
As with any small business, DJs can be held liable for damages, injuries and property loss. That’s why most venues require proof of liability coverage from DJs prior to hiring them for events; typically this policy covers costs associated with equipment used and venue damages in case of an accident.
General DJ insurance is essential for entertainers with costly equipment. But selecting an insurer that offers flexible terms, multiple policy options, and customizable quotes is no simple task. When searching for coverage options online or through other DJs can be overwhelming. Make sure your premiums match those offered by different insurers to find an insurer with flexible policies at reasonable premiums that fits you best!
R.V. Nuccio & Associates offers DJs an innovative program of insurance for musicians with A+ carriers offering general, property, and crime liability policies. Their website features an easy application that helps match you to the appropriate policy that fits your individual needs.
Simply Business stands out as another great option, working with several top companies to offer its customers an array of policies. Focused specifically on small businesses like DJs, this website boasts an easy and customizable application system which matches you up with the ideal policy.
Progressive can also provide smaller DJ businesses with adequate workman’s compensation coverage, which can protect in the event of employee injuries or deaths on the job. Progressive offers affordable plans with comprehensive workman’s comp protection, which should provide ample protection in case an accident happens during operations.
ProSight Insurance, recently rebranded as Coaction Specialty, is an excellent option for professional DJs. Renowned for quick turnarounds and associated with NAME (the National Association of Mobile Entertainers), ProSight understands the DJ industry well – its customer service representatives can answer questions 24/7 about policies as well as additional Insureds or endorsements available – not to mention affordable rates that remain transparent about what coverage exists.
Business Owners Policy (BOP)
A business owners policy (BOP) combines property and liability coverage into a single package for small businesses. A BOP is often chosen by restaurants, retail stores, contractors and wholesalers; eligibility rules depend on which insurer provides it and may include minimum size/revenue requirements as well as type-of-business criteria. You may be able to add extra coverages such as umbrella policies to make it an even better fit with your unique business needs.
BOPs provide numerous advantages to both small businesses who qualify and the agents and insurers who support them. Their basic policy form tends to be broader than monoline commercial property or general liability (CGL) policies, with numerous endorsements that can be added on.
Basic Business Owner’s Policies (BOPs) provide protection from third-party bodily injuries and property damage on business-owned premises, loss of income caused by disaster that disrupts operations, as well as costs related to operating out of an alternative space. Standard policy limits are $1 million per claim/$2 million aggregate but higher amounts can be purchased.
As well as basic coverages, a Business Owner Policy (BOP) may include business interruption insurance that reimburses expenses related to any disaster that prevents customers from coming to your place of business – this may include rental of temporary locations or paying staff members working from home temporarily. Some policies also offer electronic data loss coverage which covers costs related to recovering files lost during an outage.
Workers’ compensation provides medical costs, physical therapy costs and lost wages for employees injured on the job; employment practices liability coverage pays lawsuit expenses related to allegations of sexual harassment or discrimination; while commercial auto coverage provides coverage for company vehicles.
An insurance broker can assist in assessing risks and selecting appropriate business insurance to protect yourself against potential damages. They can also provide quotes from various providers offering different levels of coverage; generally speaking, as more coverage you purchase increases so too will your premium cost.
Commercial Auto
Are You a Mobile DJ Who Travels To Events? Commercial auto insurance will protect you from claims arising from car accidents while transporting equipment between gigs. In addition, this policy covers legal fees and any associated costs should a claim be filed against you. Many venues require DJs to carry this form of coverage; many credit card companies even mandate it.
Most insurance providers specialize in policies specifically tailored for DJs. This usually covers theft and damage protection as well as storage/event insurance – something especially valuable if your equipment is pricey. If this sounds appealing, ask around! Most DJ insurance policies come standard with an umbrella liability policy which should include this coverage in its coverage package.
Personal and Professional Accident and Illness Insurance should also be considered, providing financial protection in case any third parties are injured while performing gigs or during normal operations. This type of coverage could either be added onto your general liability policy, or purchased separately as an add-on policy.
Thimble Insurance’s user-friendly online application lets DJs build an equipment/property coverage policy tailored to their specific needs and will work with them should their equipment become stolen or damaged during gigs or transport between gigs. Plus, should anything change, Thimble will work to add or modify coverage at any point during their contract with you!
Are You Shopping for DJ Insurance? Be Sure to Do Research Before Beginning by Consulting Multiple Companies and Comparing Premium Quotes. Finding an Experienced Entertainment Industry Provider that Can Provide Outstanding Customer Service can also be key. A broker such as USADJ can ensure you’re getting the appropriate Type and Amount of Coverage at a Cost Effective Rate from an Experienced Company like Their Company
Equipment Coverage
Equipment coverage can be an important investment for DJs. Should their equipment become damaged, stolen, or destroyed – equipment coverage could help replace it and reimburse you financially. Equipment coverage is either included as an add-on to a liability policy or can be purchased separately and provides protection for DJs while at home, in transit, and venues – many insurance companies provide it and even offer one-day policies as events coverage with certificates of insurance provided to ensure its continued operation.
Some insurers specialize in policies specifically tailored to mobile entertainers, offering discounted premiums to members of organizations that promote and support working entertainers – for instance, Brown & Brown Insurance has partnered with National Association of Mobile Entertainers in offering members reduced premiums and customized coverage options at reduced rates. Furthermore, some of these insurers provide exceptional agents and an easy claims process that caters specifically to them.
Another solution would be purchasing a business owners policy with property coverage, which combines general liability and commercial property into one package for easier application process. Some insurers also provide workers’ compensation coverage that may be needed by your employees.
Finding an insurance provider who understands your business needs as a DJ can be challenging, so it’s vital that you find one offering free quotes and online applications designed to match potential policy holders with appropriate coverages. By having adequate protections in place, clients will see you take your work seriously and may make booking you easier for themselves.
For instance, general liability could cover medical bills incurred when an event guest trips over power cords and falls at an event, while workers’ comp would cover lost wages from such injuries. Finally, commercial auto coverage can assist if damage to an insured vehicle transporting DJ equipment occurs during transportation between events.
Some insurers provide one-day policies specifically tailored to DJs needing temporary protection, such as for an event such as a wedding or corporate function. These policies tend to be less expensive than annual liability coverage policies.