INSURANCE FOR DJs

Are you an individual who operates a business from your home? Do you know that your homeowners policy may not provide you with the coverage that you need for your business? We are ready to help.

WE BUILD OUR COVERAGE TO MEET YOUR NEEDS

Many DJs start out as people who love music and entertaining. This hobby can quickly grow into a business that provides a source of income for what you do best. Helping you protect your business is what we do best.

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WE TARGET THE BUSINESSES THAT WE KNOW BEST

General liability, professional liability, property and data security. See if you are a fit for our low prices.
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GENERAL LIABILITY

Protection for someone slipping and falling over your electrical cords while playing an event.

BUSINESS PERSONAL PROPERTY

Protection for the property you use in your business including the theft or damage of your equipment.

PROFESSIONAL LIABILITY

Protection for errors that you make in the course of doing business that cause financial loss to others. For example, you incorrectly schedule to perform at a birthday party on Saturday when the event is on Friday and you are double booked. Professional liability would provide coverage for any extra expense that the host incurs in finding a new DJ at the last minute.
Professional Liability may not be available depending on state of residence and class of business.

BUSINESS INCOME AND EXTRA EXPENSE

Protection for the lost income due to your home being uninhabitable. For example, you typically meet with clients at your home, but, due to a fire, you need to rent temporary office space on a part-time basis. The extra expense incurred due to the fire would be covered.

Coverage is based on the terms, conditions, limitations and exclusions of your policy.  Be sure to read your policy to verify your coverage.

BEST PRACTICES RESOURCES

Our best practices are a practical guide to help you avoid unnecessary claims

Protect your equipment - DJ equipment is stolen often and is expensive to replace. Transport your equipment securely and store it in a safe place when it is not in use.

Keep the area around your booth clear - Wires and cables can present trip and fall hazards. Be sure that cables are stowed out of reach. Placing a barrier around your booth can ensure that party-goers are at a safe distance.

Be aware of your volume - Loud music can cause hearing damage. Be aware of the acceptable levels on any amplifiers that are being utilized.

Avoid throwing - Not everyone in your audience can catch or is paying attention so avoid throwing giveaways into the crowd.

CoverSmart is the best way to buy business insurance.

In a few minutes, you can get a quote and buy the coverage you need. We are a Berkshire Hathaway company
with an A++ A.M. Best financial stability ranking. That means you are getting the right protection at a low price
from a highly rated extremely stable insurance carrier.
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