DJ insurance tailored for your business needs
DJs are partly responsible for the safety of their audience, so having specialist DJ insurance is essential. Many venues will not hire DJs without insurance, so make sure you have the proper cover to protect yourself, your audience and your equipment.
Building your DJ insurance policy
DJs may need various covers, which can be bought together as one business insurance policy. These core business covers will help you get started:
Public liability insurance is a necessity, as you will come into contact with the public during the course of your work. Most venues will insist that you have your own public liability insurance. It will cover the cost of claims made against you by members of the public who are injured or killed, or whose property is damaged as a result of your work.
Equipment cover is highly recommended for DJs. It can cover the cost of repairing or replacing your gear if it is lost, stolen or damaged whilst in the UK. As DJs are heavily reliant on their kit, suitable equipment cover is a must. Simply Business offers cover for DJ equipment up to £25,000.
Details to look out for
- Make sure you read and understand the exclusions on your policy.
- Remember that your equipment will only generally be covered while it is in the UK. You will need to take out an additional policy if you intend to take it abroad.
- Remember that venues owned by public sector organisations may require you to have a higher level of public liability insurance.