Public liability insurance for dj
General term for any liability coverage for claims brought against the insured by a third party or member of the public where they feel that they have suffered a loss or breakage as a result of your negligence (lack of care).
This can mean anything from someone tripping over your wire (You have all seen the drunk people) and breaking their leg all the way to a speaker falling of its stand and smashing the venue's stage, and as i am sure you are all aware
Whats the cost of PLI for a moblie disco company?
The cost of DJ's PLI is actually not to bad it varys depending on area, equiptment, amount of work etc. But it is not bad and is most definetly worth it just in case!
Far by the cheapest company we have found is Music Guard it is specifically for mobile disco insurance so keeps the costs down, its worth a look.
In an event that you are successfully sued by a third party your pli dj insurance will be able to pay the costs for the compensation that has been awarded against you and any legal costs that you have incurred as a result of defending your claim.
If you don't have public liability insurance then you will be stuck to pay the whole cost for the compensation, and with over £4.5 billion paid out in claims last year its a very worrying scenario. If you are unable to pay the compensation which has been awarded against you a court may try and pursue you for any assets you have i.e. your home, your cars and any other assets which you may have.
In this instance the Dj could be taken to court and sued for thousands of pounds. Even if it is established that the mobile disco company did not act negligently and subsequently no damages are awarded against them they could still have a large legal bill to pay.
Public liability insurance is designed so that in the event that you are pursed by a third party you will have the adequate financial backing to pay the cost of the claim.
Dj public liability insurance
Public liability insurance will not prevent claims from happening, it will however cover your business in the event that there is one. Public liability insurance will usually cover your business up to £2+ million, which should be an ample amount to fully protect your disco business.Is public liability insurance for dj's compulsory by law?
Compulsory insurance means that you must have a minimum level of cover to operate legally. The greatest example of compulsory insurance is private motor insurance, the law says that in order for you to legally drive on the road you must have a minimum level of cover (typically third party only insurance).
How often do dj public liability insurance claims happen?
Public liability insurance claims are becoming more frequent due to two reasons: Members of the public are becoming more aware of their rights and the law
Since the introduction of 'no win no fee' claims services people have found it even easier making claims against unsuspecting businesses.
In the United Kingdom last year there was £5.5 billion* paid out in liability insurance claims.
Do not risk your disco business going under due to not having the adequate insurance to fully protect your business.
