Why Do DJs Need General Liability Insurance?
General liability coverage is a must-have for DJs — and Kelli Gerth breaks down all the reasons why.
DJ’s need general liability coverage to protect themselves in case someone is injured or their property is damaged during an event where the DJ is performing. This type of insurance can help cover legal expenses, medical bills and property damage costs that may arise from accidents or mishaps that occur during a DJ’s performance. Having general liability coverage can provide peace of mind and financial protection for DJs in the event of a lawsuit or claim.
Additional benefits of having general liability coverage are:
Peace of mind: Having general liability coverage can provide DJs with peace of mind knowing that you are financially protected in case of accidents or unforeseen events during a performance;
Professionalism and Credibility: Clients and venues may require DJs to have liability insurance in order to hire them for an event. Having general liability coverage can demonstrate professionalism and creditability, making DJs more attractive to potential clients;
Compliance with Regulations: Some venues and event organizers may require DJs to have general liability insurance in order to perform at their location. By having this coverage, DJs can ensure they are compliant with regulations and avoid any potential issues
There are several advantages to working with an insurance broker rather than relying on online quoting tools:
Personalized service: An insurance broker can provide personalized service and guidance tailored to your specific needs and circumstances. They can take the time to understand your individual situation and recommend insurance coverage that best suits your requirements;
Advice: Insurance brokers are knowledgeable about the insurance industry and can offer advice on the types of coverage you may need (general liability, workers compensation, equipment), as well as help you navigate the complexities of insurance policies and terminology;
Access to multiple insurers: Insurance brokers have access to a wide network of insurance provides, allowing them to compare quotes and coverage options from multiple companies to find the best policy for you;
Advocacy and support: In the event of a claim, an insurance broker can act as your advocate and provide support throughout the claims process, helping to ensure a fair and timely resolution;
Save time and effort: Insurance brokers can save you time and effort by doing the legwork of shopping around for insurance quotes and policies on your behalf, freeing you up to focus on other priorities;
Long-term relationship: Working with an insurance broker can help you build a long-term relationship with a trusted advisor who can help you with your insurance needs over time and make adjustments as your circumstances change
Overall, working with an insurance broker can provide you with personalized service, advice, access to multiple insurers, advocacy and support, time savings, and a long-term relationship that can help you navigate the complexities of insurance and ensure you have the coverage you need.
By: Kelli Gerth, Loomis Co.