Professional DJs, like any other performer or entertainer, have to practice for hours to provide music and entertainment for a crowd. As a DJ, you know all the time and effort that is required for this profession. Having DJ insurance is part of being a professional. Many venues, clubs, and clients require you to add them to your insurance policy as an additional insured so they can receive coverage.
At Insurance Canopy, we provide A+ rated, affordable DJ insurance, you can add additional insureds at any time.
What is an Additional Insured?
An additional insured is a person or organization (not an employee or a friend) who can be added to your insurance policy with an endorsement. Your policy may protect the additional insured from claims arising out of your negligence from your DJ business operations.
How Do Additional Insureds Work?
Additional insureds can be a person or a venue. Many venue owners want to be added to your policy as an additional insured because the terms of your policy may provide them coverage.
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 lists the venue owner as a responsible party in the lawsuit. Since the venue owner was not responsible for the incident, the terms of your policy may protect them from being held liable.
How to Add Additional Insureds
Once you have purchased DJ insurance from Insurance Canopy, you have instant access to your online dashboard. Here you can view your policy documents, proof of insurance, and add additional insureds. Any time you are playing at a new venue and need to add them as an additional insured, simply login and add them to your policy. Additional insureds can be added for $5 each, or you can add an unlimited amount for $15.
Purchase From Insurance Canopy Today
We hope this article is useful in helping you understand more about additional insureds. Insurance Canopy offers both DJ Event Insurance and DJ Annual Insurance policies to better fit your business’s needs. For less than $2 a day, your DJ insurance policy includes general liability with a $2 million dollar limit that can be used to pay for bodily injury and property damage claims that you become legally obligated to pay due to your business services.