People can be found celebrating so many occasions, such as birthdays, weddings, retirement parties, and even National Dog Day. It seems like there’s always something to celebrate and that’s where you come in as a mobile DJ. You’re in the business of dropping serious beats and helping people celebrate what makes life great. Whether you are just starting out or you’ve been in the business for years, you can’t go without mobile DJ insurance. No matter how careful you think you are, there’s always room for error and a third-party claim can be critical for a small business. Learn how beneficial having mobile DJ insurance can be and how easy it is to get coverage.
Increases CredibilityEvery business has competitors and yours is no different. What are you doing to stand out from the rest? One way to edge out the competition is by carrying insurance. When you purchase a business insurance policy with us, you have access to our online badge and can feature it on your website. By including an insurance badge on your site, you show customers that they are working with a proactive professional who understands the risks of the business and helps you differentiate your business among competitors in your area.
Offers Additional InsuredsWhat’s so great about a mobile DJ insurance policy offering additional insureds? Let us explain. An additional insured is a person or organization—not an employee or friend—that can be added to your insurance policy by endorsement. When providing additional insured status to a person or organization, your policy will protect that additional insured for claims arising out of your negligence. Let’s say you are at a gig and your client breaks their ankle because the speaker cord wasn’t installed properly. They sue you to pay their medical expenses and loss of income during the recovery period. In order to get more money out of the ordeal, the client also includes the venue owner in the lawsuit and tries to pursue legal action. Since the venue owner was not responsible for the incident, the terms of your policy may provide coverage for.
Protects Your EquipmentYou couldn’t book gigs without your stellar equipment! You never know where the next job will take you and you always need to be ready to transport your gear. Every mobile DJ’s fear is their equipment getting damaged or worse… stolen. With mobile DJ insurance from us, you can add inland marine coverage to your policy and protect your investment. Inland marine coverage is designed to cover materials being transported over land or being stored in an off-site location. Your items can run the risk of theft, fire, and environmental damage and inland marine coverage may respond to these circumstances. For example, someone could break into your car and steal your equipment. Without inland marine coverage, you are on the hook of paying for it out-of-pocket. Depending on the covered claim you file, inland marine may respond and keep you from replacing the equipment on your own. Have a homeowner’s policy for your equipment? If you make too many claims on your policy, it could lead to cancellation and you can be out of luck. In some cases, you may not be able to count on coverage because you equipment is being used for business purposes and is away from home.
Protects You From LawsuitsYou can’t count yourself out of a lawsuit. No matter how careful you are during your gigs, disaster can strike and you can be wrapped up in a legal battle. Lawsuits stem from simple accidents and your business needs to be prepared for these types of instances. What if your speaker falls on someone during your set? We live in a litigious society and the injured person may want to pursue legal action against you. Depending on the covered claim, the policy could pay for expenses you are legally obligated to pay, such as:
- Lawyer’s fees
- Administrative (paralegal or legal secretary work) fees
- Travel expenses for the legal team
- Cost of filing and serving the lawsuit
- Court costs
- And more!