As a professional DJ, insurance may not be at the top of your list of priorities. However, without DJ insurance, all that you have worked so hard for could be swept away. DJ insurance provides a financial safety net that protects your business operations and assets. At Insurance Canopy, we offer DJ event insurance and DJ annual insurance to fit your needs. We want you to succeed at your job and help you do what you love with peace of mind. Today we’ll talk about four terrible things that can happen if you don’t have DJ insurance, and how insurance can benefit your business.
#1: Stolen Equipment
As a DJ, you have a lot of equipment that needs to be transported often—from speakers and laptops, to tablets, turntables, and more. If your equipment should ever get stolen, you can have coverage with inland marine insurance. This type of insurance, also known as tools and equipment coverage, protects your equipment in case it gets damaged or stolen. If a guest at the event spills their drink on your equipment and damages your turntable or other equipment, this coverage can come in handy. Without DJ insurance, you’d have to pay for new equipment out of your own pocket.
#2: Hefty Medical Expenses
Because events often have several guests present, sometimes hundreds or thousands of people, it can get pretty crowded. Let’s say during the height of the dance party you’re DJing at, a guest trips on your cords and breaks their ankle. Because it is your equipment that caused harm, you can be held liable for any of their medical bills. Without insurance, you’d have to cover these hefty bills from your own paycheck. Insurance Canopy has a $2M aggregate limit with its DJ insurance policies.
#3: Limited Additional Insureds
Oftentimes, a club or venue will require you to add them to your insurance policy as an additional insured. When you add a person, event, organization, or venue to your policy as an additional insured, they can receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations. Luckily for you, Insurance Canopy makes it easy to add additional insureds to your policy—when filling out an application and afterwards when accessing your dashboard. An unlimited amount of additional insureds can be added to your policy for just $5.
#4: Property Damage
When you’re DJing, you don’t want to have to worry about what could go wrong during a performance. However, accidental damage can still take place. Let’s say your equipment accidentally scratched the hardwood floor at the venue. You can be held responsible for the expenses to repair or replace the floor. If you don’t have DJ insurance, this can be a big price to pay yourself.
Get Insured Today
You can fill out an application online in ten minutes or less to purchase DJ insurance. You can get insured for an event that lasts 1–3 days for $59, or you can purchase a monthly policy for $16 or an annual policy for $192 a year. Get full coverage today so you can work with peace of mind. We wish you the best of luck with your DJ career!