As a DJ, you’re the life of the party. Remixing and developing unique mixes of music is your forte. With such a fun job, there are also a few risks that you should be aware of. Insurance Canopy cares about your job and wants to make sure that you take the necessary precautions so that you’re protected when those accidents happen.
Today we’ll cover common risks that DJs face, and how you can avoid them.
Claim #1: Damaged Equipment
Without your equipment, you can’t do your job. Because of this, it’s important that you have an insurance policy in place that provides protection for your tools and equipment. Several DJs have reported that their equipment was damaged during an event. For example, someone at your event could accidentally spill their drink on your soundboard or other equipment. If this, or another similar accident happens, you’ll be grateful that you have DJ insurance.
Claim #2: Trip-and-Fall Accidents
With all of your equipment set up at a dance or a party, there are several potential hazards involved. While DJing, someone may trip on one of your cords or cables and claim that you did not secure them properly, holding you liable for any harm or damage done. You’ll want to make sure that everything is in its proper place and secured to help avoid accidents like this.
Claim #3: Property Damage
Although this claim may not be as common as you think, it’s important to be aware of. It’s not uncommon for a DJ to file a claim stating that the venue accused him of scratching their floor while he was moving his DJ equipment around. You can be held liable for any property damage that your equipment may cause—intentional or not. Make sure that you are careful when moving your equipment, and that you’re always aware of your surroundings so that you don’t damage any property.
Claim #4: Stolen Equipment
As a DJ, you are constantly traveling to new locations for your events and parties. Because of this, your equipment could get stolen out of your car or another place if left unattended. Stolen DJ equipment is another one of the most common claims that you should do your best to avoid. Always make sure your equipment is securely stored in a locked vehicle or room, so no one else has access to it.
Perhaps you do all you can and it still gets stolen—that’s where insurance comes into play. However, keep in mind that in order for your claim to be covered, you will need to make sure you use reasonable and appropriate caution to protect your property.
DJ Insurance From Insurance Canopy
Now that we’ve talked about the most common risks that DJs face, we want to help you understand what type of insurance policy you need and how you can get that coverage. Insurance Canopy offers both DJ Event Liability Insurance and DJ Insurance.
DJ Event Liability Insurance
This policy is designed specifically for DJs, VJs, and KJs that will be performing at weddings, corporate events, parties and more. The DJ Event policy is good for 1–3 days and costs you only $59. It is a small cost to have you covered from any of the potential claims listed above that could occur, with the exception of the tools and equipment coverage. For equipment coverage, opt into an annual policy. Not only will it give you peace of mind to have DJ insurance, but most events require a general liability policy for you to perform. Fill out an application here to receive instant coverage.
This DJ Insurance can be purchased annually for $199, or you can pay monthly for $16 per month. If you are going to be performing at several events throughout the year, we recommend purchasing an annual policy, so you don’t have to worry about purchasing your policy monthly. To help you focus on the other aspects of your business, like booking events, we also offer EZ-Renew. EZ-Renew automatically renews your annual policy so you don’t need to worry about logging in and doing it yourself.
Get the Coverage You Need Today
If you have any questions about the insurance policies today, take a look at this DJ Insurance Guide, or contact one of our licensed insurance agents. We are happy to help you get the coverage you need so you can work with peace of mind and have a financial safety net in place. We wish you the best of luck with all your DJ endeavors!