Coronavirus has put a damper on everyone’s plans. Weddings, graduations, and birthday parties have been canceled for now. It goes to show that we can’t take things for granted. As a DJ, you bring a lot of energy and joy to these events. Not to mention, memories that your clients and their guests will treasure for a lifetime. Keep in mind that business will pick up again. Just like everyone is doing their best to stay safe, you can keep your business safe with DJ insurance and be ready to go before those events are rescheduled. Insurance coverage can still protect your business and your equipment. Canopy insurance can serve as a long-term financial safety net and can give you peace of mind. Let’s talk about three things you should consider when shopping around for the best DJ insurance for your business. Hope our points are helpful in your search!
General LiabilityLots of feelings build up before your next gig. You could feel excited, happy, nervous, and pumped all at the same time. Your biggest hope is that everything goes according to plan. For the most part, the gig will go great and you can move on to prepping for the next one. Sometimes that isn’t the case. Your next gig could run into a huge roadblock, such as an injury. Let’s say your station is prepped for a wedding reception and the guests start showing up to dance the night away. People start dancing and the turnout is great! Out of the corner of your eye, you notice that the dancing has stopped and everyone starts crowding around. Your excitement turns into fear. The hope for a great night has vanished. Unfortunately for you, a person tripped over your speaker cord and injured their leg. What’s next? A lawsuit that drags on for months. The guest is suing over their costly medical expenses and loss of income. With insurance, you have peace of mind knowing that your hard work is covered and you have a safety net. One hiccup doesn’t mean you’ll have to close down your business for good. Regardless of what the judge decides, you can be covered with DJ insurance and know you’re not alone. General liability covers bodily injury and property damage expenses you are legally liable to pay. DJ liability insurance from Canopy also offers:
- Products completed operations coverage
- Personal & advertising injury
- Damage to premises rented to you
- Optional inland marine coverage
Equipment CoverageEquipment coverage (also known as inland marine coverage) is property insurance that covers items being transported over land. Since DJs do a lot of traveling, this type of coverage is ideal and keeps your gear safe. It’s an extra layer of protection for your business and can respond to equipment damage/theft. Inland marine insurance can cover:
- And more!