Insurance for DJ's

[John J90]

What insurance policy form would cover property and liability for a DJ that works weddings and other such parties at catering halls and other such locations? Would a Business Owners Policy suffice?

[sethm]

A Public Liability Insurance is much more applicable. It can be a bit expensive, so you need to assess the risk first.

[yoyowordup]

"Public Liability"?

If an underwriter will write it on a BOP or a GL form you would be fine. If he's doing rave's or hip hop clubs your probably not going to get a preferred underwriter to do it.

I can't imagine it would be more than $500 for the liability portion of the policy if he's just doing weddings, banquets and bar mitzvah's. If you need/want property or inland marine coverage it would probably be around $4-$6 per $100 of value which can get expensive.

[robmejia]

Is it necessary for DJ's to have an insurance when it isn't really a risky job? Probably, like any other individual, he would need a life insurance/ long term care insurance instead.

[yoyowordup]

Is it necessary for DJ's to have an insurance when it isn't really a risky job? Probably, like any other individual, he would need a life insurance/ long term care insurance instead.

Life Insurance or long term care instead? Really? What does one policy have to do with another. They meet completely separate needs. The agent and insured can certainly with the costs vs the risk for each of those forms of protection, but to buy life insurance instead of general liability makes no sense whatsoever.

[simiinsuranceguy]

Well, sure, he does need Liability coverage. What if his equipment that he set up falls and damages a 3rd party's property, or, worse yet, it falls on and injurs a 3rd party? He certainly would need to be protected in those cases.
And yes, it is a small exposure and the rates will reflect that.