People can be found celebrating so many occasions, such as birthdays, weddings, retirement parties, and even National Dog Day. It seems like there’s always something to celebrate and that’s where you come in as a mobile DJ. You’re in the business of dropping serious beats and helping people celebrate what makes life great. Whether you are just starting out or you’ve been in the business for years, you can’t go without mobile DJ insurance. No matter how careful you think you are, there’s always room for error and a third-party claim can be critical for a small business. Learn how beneficial having mobile DJ insurance can be and how easy it is to get coverage.
Increases Credibility
Every business has competitors and yours is no different.
What are you doing to stand out from the rest?
One way to edge out the competition is by carrying insurance. When you purchase a business insurance policy with us, you have access to our online badge and can feature it on your website. By including an insurance badge on your site, you show customers that they are working with a proactive professional who understands the risks of the business and helps you differentiate your business among competitors in your area.
Offers Additional Insureds
What’s so great about a mobile DJ insurance policy offering additional insureds? Let us explain.
An additional insured is a person or organization—not an employee or friend—that can be added to your insurance policy by endorsement. When providing additional insured status to a person or organization, your policy will protect that additional insured for claims arising out of your negligence.
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 includes the venue owner in the lawsuit and tries to pursue legal action. Since the venue owner was not responsible for the incident, the terms of your policy may provide coverage.
Our annual and event policies let you add additional insureds with $5 for one and $10 for an unlimited amount.
Protects Your Equipment
You couldn’t book gigs without your stellar equipment! You never know where the next job will take you and you always need to be ready to transport your gear. Every mobile DJ’s fear is their equipment getting damaged or worse… stolen. With mobile DJ insurance from us, you can add inland marine coverage to your policy and protect your investment.
Inland marine coverage is designed to cover materials being transported over land or being stored in an off-site location. Your items can run the risk of theft, fire, and environmental damage and inland marine coverage may respond to these circumstances.
For example, someone could break into your car and steal your equipment. Without inland marine coverage, you are on the hook of paying for it out-of-pocket. Depending on the covered claim you file, inland marine may respond and keep you from replacing the equipment on your own.
Have a homeowner’s policy for your equipment? If you make too many claims on your policy, it could lead to cancellation and you can be out of luck. In some cases, you may not be able to count on coverage because you equipment is being used for business purposes and is away from home.
Protects You From Lawsuits
You can’t count yourself out of a lawsuit. No matter how careful you are during your gigs, disaster can strike and you can be wrapped up in a legal battle. Lawsuits stem from simple accidents and your business needs to be prepared for these types of instances.
What if your speaker falls on someone during your set? We live in a litigious society and the injured person may want to pursue legal action against you.
Depending on the covered claim, the policy could pay for expenses you are legally obligated to pay, such as:
- Lawyer’s fees
- Administrative (paralegal or legal secretary work) fees
- Travel expenses for the legal team
- Cost of filing and serving the lawsuit
- Court costs
- And more!
Our policy for DJs includes general liability (designed to respond to bodily injury claims) and a $2 million aggregate, meaning $2 million dollars is the maximum amount the company will pay for covered claims during the policy period.
DJ Insurance From Canopy Is Affordable
We understand that businesses come with a variety of expenses but you don’t have to worry about paying an arm and a leg to protect your business with mobile DJ insurance. At Insurance Canopy, we created insurance with business owners like you in mind and are proud to provide affordable coverage.
Our mobile DJ insurance policy for events starts at $59 and our DJ annual policy starts at $192/year. The nice thing about our annual policy is that you can break it down to monthly payments and get annual coverage starting at $18.50/month!
Not paying for insurance could lead to spending hundreds to thousands of dollars replacing your stolen equipment or going through a legal battle. For most, getting coverage is well-worth the cost and gives you peace of mind while running your business.
Get Mobile DJ Insurance Today!
As you can see, insurance offers a variety of benefits for you and your growing business. We hope that you’ll consider getting mobile DJ insurance from Canopy.
You can protect your business completely online and in less than 10 minutes. All you have to do is fill out the online form, decide whether or not you want equipment coverage, and be on your way. Whether you want to pay everything up front or do monthly payments, the process is simple. Need to show proof of coverage or add an additional insured? It can be done through your online dashboard. Plus, our mobile DJ insurance policy is national!
Need more information? Check out these resources below.
- Mobile Dj Insurance: Do You Need It?
- Protecting Your Business: DJ Event or Annual Insurance, Which One is for You?
Don’t spend another minute without coverage.
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