Do You Need DJ Equipment Insurance

Do You Need DJ Equipment Insurance

March 03, 2018
Author: ProSight Direct

You have insurance on your car, insurance on your house or apartment, and insurance for your healthcare. You may not realize that insurance for your profession is just as vital. So, what is DJ equipment insurance? And why you should get it? We’re glad you asked.

Disc Jockey insurance can protect you against many of the risks and exposures of the job. Some of these dangers are obvious (e.g., fragile equipment being damaged), while others are less apparent but equally as dicey. With so much money on the line, it’s extremely diligent for DJs regardless of their level of experience, income, or work frequency.

1. Equipment Coverage

DJ equipment is expensive, and while the higher-end equipment is built to last, accidents do happen. If a party-goer stumbles into your setup, you could be out hundreds, if not thousands, of dollars. Your policy can help cover all types of DJ equipment, including turntables, speakers, and even smaller items like your records.

2. Stolen Equipment

Of course, your potential exposure goes beyond damage to your equipment. In the event of theft, an uninsured DJ has little recourse outside of just filing a police report. With DJ insurance one can get reimbursed for the value of gear that is stolen and not recovered.

3. Coverage When Using Someone Else’s Equipment

When you rent a car on vacation, your insurance policy will likely offer some sort of protection in the event of vehicle damage, even though you’re behind someone else’s wheel. DJ insurance works similarly in covering you if you’re behind another DJ’s 1s and 2s.

General Liability Coverage

DJ insurance also protects you if someone gets hurt at your event and you could potentially be held liable for that injury. It may seem far-fetched, but there is precedent for attendees suing the entertainment when things go sideways, even in instances where the DJ is not necessarily at fault. Without quality insurance at your side, you could face a mountain of legal bills all on your own. The odds of a lawsuit may not seem high, but it’s well worth the relatively small cost of insurance to have improved peace of mind.

Wrapping Up

When a DJ prices out his or her setup, insurance isn’t necessarily at the forefront of their minds. But, in reality, DJ equipment insurance is every bit as vital as a mixer or a microphone.

Obtaining DJ insurance is also not as tedious as you might think. In fact, you can sign up for DJ Insurance in minutes. When protecting your DJ equipment through ProSight, a simple seven-item questionnaire can provide a quote in an instant. Comprehensive protection against the many risks of DJing can be had in less time than it takes to place an online takeout order for Chinese food, so even the busiest mix master can fit it into their schedule.