A sponsored guest post by Insure4Music.co.uk:
Here are five reasons why DJs of all abilities should consider specialist DJ insurance:
Public Liability
If you’re serious about being a DJ, Public Liability insurance is an absolute must. Most venues, especially the larger ones, will insist that any booked DJ has insurance with Public Liability included. Taking out specialist DJ insurance means you’re able to take on more gigs with more top venues.
Sometimes it’s easy to think that as a DJ behind the booth, you won’t cause any harm to anyone around you. Sadly, that’s not always the case – accidents can and do happen. By making sure you have the right DJ insurance policy that includes Public Liability insurance, you are better protected in the following scenarios:
- Speakers or lights falling and causing injury to member(s) of the public
- A member of the public accidentally tripping over a cable and injuring themselves
- Injury and/or financial loss caused by faulty or malfunctioning equipment
Getting the right insurance should be a simple decision – not only will it help you to play any venue, but it will give you peace of mind in the event of an accident.
Equipment Cover
Our Equipment Cover is as thorough as it comes for DJ insurance. Not only do we cover theft from your home, but also theft away from your home. This essentially means your gear is covered at practice, on tour at a venue or even in a vehicle, provided the equipment is locked away out of sight and there are visible signs of forced entry, if it is stolen.
Our Equipment Cover doesn’t end there – believe it or not! We also cover your gear for accidental or malicious damage. We know when performing that accidents unfortunately can happen. Speakers can be dropped, mixers trodden on, or even small spillages can cause havoc to your set. With cover starting from as little as £25 a year, why take the risk?
Loss of Earnings
Our Performance Cover is vital as a DJ. If you’re unlucky enough to have an accident whilst performing, that leaves you unable to engage in or attend your usual profession, we’ll have your back for up to a maximum benefit period of 52 weeks! We will cover your Loss of Earnings from £250-£750 per week – depending on the level of cover you take out.
Can you imagine the worst-case scenario? You break your leg on stage thanks to a speaker stand being out of place. This could leave you unable to work for several months and therefore with zero income until you’re back to full fitness. Our Performance Cover will allow you to approach each gig with complete peace of mind.
Equipment Breakdown/Hire
Have you ever been in the situation where you accidentally break or have a piece of gear stolen in the lead-up to a gig and you’re stuck as to what to do? Maybe you could find a friend to borrow it from? Or you might even have to cancel the gig! We hope you never find yourself in that situation, but just in case you do – don’t worry – Insure4Music will help keep you playing!
If some of your DJ equipment is accidentally damaged or stolen, we’ll arrange for it to be repaired or replaced – depending on the severity of the damage.
But if your gig is at the weekend, for example, and your need your gear urgently, we can arrange DJ Equipment Hire to save your show. If your equipment has been stolen or damaged, and your claim has been approved, we’ll cover the cost of hiring replacement gear from a reputable dealer whilst yours is being fixed or replaced.
Household vs. Specialist DJ Insurance
Many musicians assume that their equipment will be covered under their household contents policy. Sadly, this is often not the case, meaning you have to specifically add your equipment to your policy. This will certainly lead to a rise in your household premium, generally by more than a specialist DJ insurance policy costs in the first place!
As if that argument wasn’t compelling enough, if you were to claim on your household policy for your DJ gear, you’d lose your no claims discount and increase the premiums for the next year. Plus, you probably wouldn’t be covered when you take your equipment away from your home.
If you’re a DJ, you’d be daft not to consider our extensive DJ insurance, starting at only £25 a year! We can cover you for Public Liability, as well as theft, loss and damage, and Performance Cover including Loss of Earnings and Equipment Breakdown/Hire. There’s even a Worldwide Cover option for those DJ globetrotters.
Visit our site and get an instant specialist DJ insurance quote today!