How Important Is DJ Insurance: The Risks Of Hiring An Uninsured DJ
Insurance doesn’t sound that fun, but it’s an essential part of your successful party or event. If your DJ and lighting professionals aren’t insured, you’re at risk for serious liability.
This information applies to business functions as well as weddings, and private events. Additionally, we’re focusing on DJs, but your photographers, videographers, and other event vendors should also carry insurance!
DJ Insurance: Are All DJs Insured?
Unfortunately, the answer to this question is no. You can’t assume your DJ is insured because there are a number of reasons they may not carry insurance. First of all, many very competent DJs primarily perform in bars, venues, and nightclubs that already carry their own insurance policies. In this case, they may not need their own additional coverage.
If these types of DJs start transitioning into corporate events and weddings, they could lack vital insurance and not even know it.
This is an excellent reason you should ask your event vendors about their experience in detail. Opt for professionals with experience that relates to your event. Has this DJ done many weddings? Are they comfortable with corporate environments? These are important things to know because they impact how attentive you need to be versus letting your seasoned professional vendor take the lead.
DJ Insurance: Uninsured And Underinsured DJs And Potential Liability
Frankly, it is an enormous liability to work with an inadequately insured DJ. While your event could go start to finish with zero problems, there is always a chance the sound or lighting equipment could injure one of your guests. Personal injury claims result in lawsuits and while that’s usually where insurance kicks in. If your DJ is uninsured you could be at risk.
Prevention is far better than remedy in this kind of situation.
DJ Insurance: Uninsured And Underinsured DJs And Venue Problems
Although less serious than a lawsuit, there is another potential risk you face if you work with an uninsured DJ. If your venue asks for a Certificate of Insurance from any of your vendors and they can’t provide one, the venue could bar their entry. Because an underinsured DJ puts both you and the venue at risk, many professional locations won’t allow vendors to work an event without proof of proper coverage.
Imagine finding out you have no DJ or lighting hours before your event. Not an ideal situation!
DJ Insurance: Worker’s Comp?
In addition to liability insurance, many venues require proof of Worker’s Comp coverage. This is definitely the case in California where we’re located.
Worker’s Comp insurance safeguards the venue from claims if a vendor hurts themselves during the event. Your venue doesn’t want to be responsible for the medical costs associated with work accidents for 3rd party vendors. For this reason, they may require your vendors to hold and provide proof that they’re adequately insured for liability and comp.
DJ Insurance: The Takeaway Is Insurance Is Vital!
We encounter clients every day that lack this crucial piece of knowledge and it makes a big difference. While we carry ample insurance in every required area, not everyone does. If you’re doing business elsewhere, please make sure you’re protected. Just ask to see proof of insurance from your DJ before booking.
Best of luck with your event! If you need some help, don’t hesitate to reach out to explore our competitive pricing.