When you are running a business, you want to stand out from the competition and show potential customers your value; it’s one of the many things you need to keep track of. This could be anything about what makes you different from other DJs in your area, such as how you go above and beyond in delivering great service. Customers appreciate the extra effort and could possibly choose you over someone else. Another way you can set yourself apart is by showing you care about your profession by being insured. According to our survey, 30% of our customers have reported that carrying insurance has helped them gain clients. Let’s explain how valuable insurance for DJs can be below.
AFFORDABLE BUSINESS COVERAGE
When you’re looking for an insurance policy, you need to look for affordable comprehensive coverage. Canopy includes a variety of coverages, such as general liability (designed to respond to costs you are legally liable for), damage to premises rented to you, and more.
By choosing to protect your business with insurance for DJs, you shouldn’t have to worry about paying for super expensive coverage. At Canopy, we don’t believe you need to pay an arm and a leg for it, which is why we offer affordable payment options. You can either pay for the entire amount of coverage upfront or choose our monthly payment option. Payments start at $18.50/month!
COVERS YOUR DJ GEAR
As a DJ, you set the tone and get the party started. A gig wouldn’t be successful without your gear. From the speakers you use to your mix-filled tablet, you’ve invested in your business. Your gear is used at every event and needs to be readily available. The best thing you can do is protect it.
Would you be able to replace your gear if it was stolen or damaged before your next event? If not, it could lead to cancellations and loss of income. It may take weeks or even months to replace without a financial safety net. That’s not something you want to worry about.
Inland marine coverage is designed to cover tangible property, such as your gear. This type of coverage excludes structures and there is a $250 deductible. Canopy offers two limits ($2,000 and $4,000), so you only pay for what you need.
BOOSTS YOUR PROFESSIONALISM
Insuring your business means you take your work seriously. Being a DJ is something you truly care about and you want to protect your endeavor. That’s the great thing about having insurance for DJs. It’s tailored to fit your needs. Plus, your business insurance policy also extends to venue owners– talk about a win-win situation.
All you need to do is add them as an additional insured. An additional insured is a person, event, or organization that can receive protection if they are named in a suit due to a covered business-related loss/claim due to your actions. Pay $10 for unlimited additional insureds. Only need one? Pay $5 for one additional insured.
Venue owners like working with DJs who can offer this kind of coverage. If a mishap occurred during the gig and you were at fault, many people will often include the venue in the lawsuit to get more money. By having them as an additional insured, your policy should cover them (if they’re not at fault).
Be ready with insurance for DJs and look for coverage that allows you to include additional insureds. You could be losing out on potential gigs and revenue-making opportunities without it! At Insurance Canopy, we make it easy to include additional insureds through your personalized online dashboard.
DESIGNED TO BE YOUR SAFETY NET
We hope every gig is great. Unfortunately, there is always a chance your business may face a big or small claim. One great benefit of having insurance for DJs is it can be used as your financial safety net. See what you could experience on the job below.
CLAIMS YOU MAY FACE
- While working at a show, someone trips and falls over your equipment. They break their arm and have to go to the hospital to receive medical attention.
- Your light bar is too close to some flammable materials and starts a small fire, causing thousands of dollars in property damage to the building
- A guest sustains burns from the smoke machine that was being used as part of your show.
Accidents happen and that can be a stressful thing to deal with. On top of that, you’d have to pay for the damages out of pocket. Many business owners may not be able to handle an unexpected expense. That’s why you should include an extra layer of protection and have a safety net. Insurance for DJs could be your solution.
DJ INSURANCE FROM CANOPY
Purchasing insurance for DJs is one of the most important things you can obtain for your business. It shows you understand the risks involved in the industry and want protection in place. Canopy makes it easy for you to implement coverage through our online process–all you need to do is pick your coverage amount, decide if you want to include inland marine, and choose your payment option. You can update your policy or add additional insureds through your personalized dashboard on your time. If you have any additional questions or concerns, we have a team of licensed insurance representatives that can assist you.
