Finding the right insurance is a challenge for any business, but for mobile entertainers, it can be especially hard to know your coverage is calibrated perfectly. When your level of risk depends on the security of a host business and all your equipment moves with you, it can be tough to find an insurer with an actuarial table built around your business model. Luckily, there are some companies that specialize in the coverage companies like yours need, and they can build a comprehensive policy made up of different DJ insurance coverage that reflect the state of your business today. They can also update those policies as you grow, so your coverage keeps pace with your investment in equipment.
Types of DJ Insurance Coverage
Mobile entertainers, photographers, and businesses with similar risk profiles all need coverage for their equipment because it goes everywhere and it’s frequently at the center of the action in any venue. That’s a given. Many also need commercial coverage for vehicles, especially DJs working outside of urban areas, where their travel radius could be fairly large between gigs even when they’re considered local. You also need professional insurance that covers you in case you can’t meet a contract or you have exposure for liability related to your duties. It sounds like an odd coverage to think about when you make music, but if you have a complex stage act or a lot of lighting, you’d be surprised where your business risks come in. That’s why it’s good to work with someone who has the experience to anticipate your needs.