Accidents happen...why is insurance necessary?
Industry and commerce are based on a range of processes and activities that have the potential to affect third parties (members of the public, visitors, trespassers, sub-contractors, etc. who may be physically injured or whose property may be damaged or both). It varies from state to state as to whether either or both employer's liability insurance and public liability insurance have been made compulsory by law. Regardless of compulsion, however, most organizations include public liability insurance in their insurance portfolio even though the conditions, exclusions, and warranties included within the standard policies can be a burden.
Many small businesses do not secure general or professional liability insurance due to the high cost of premiums. However, in the event of a claim, out-of-pocket costs for a legal defense or settlement can far exceed premium costs. In some cases, the costs of a claim could be enough to shut down a small business.
Why does my DJ need Liability Insurance? That’s a question that you, as the bride, groom or person looking for a DJ need to cover before you begin your search for your DJ. The simple answer is… yes.
DJ Liability Insurance covers a DJ for any damages a member of the public may be awarded as a consequence of injury or damage to them or their belongings caused by the DJ or his/her equipment. It also covers legal costs & other expenses to do with defending any claim.
In short, the liability insurance covers the DJ in case of an accident caused by his equipment. With so much equipment there is a chance that someone will trip and fall and seriously get injured. Nowadays, you don’t know if that person is going to turn around and sue you, the person that invited him to your party. Without the DJ’s liability insurance, there is a chance you will have to pay for those costs.
Music for Dancing is a legitimate business with $2,000,000.00 in Liability Insurance since 1994
