Best Small Business Insurance
Best Small Business Insurance
As a DJ, you’re always hustling to get the next gig. You need insurance coverage that’s there just when you need it, whether that’s five minutes before a last-minute show or months before an important event.
The cost of your DJ Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your DJ business.
With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible DJ insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.
To get an accurate idea of how much DJ insurance would cost you and your business, get a quote from Thimble.
Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.
You can also add and modify your Additional Insureds as many times as you’d like directly from the Thimble App.
Both General Liability and Professional Liability coverage are included in the DJ Liability policy. General Liability insurance arranged by Thimble is designed to respond to protect DJs from liability regarding bodily injury and 3rd party property damage. Professional Liability Insurance protects DJs against claims of errors and omissions – or claims relating to inadequate performance of professional services.
At a bar mitzvah that you are DJing, a guest trips over your microphone cable and injures himself.
3rd Party Property Damage
You’re setting up your DJ equipment and lose your grip on one of the speakers, dropping it on the client’s laptop. It’s beyond repair, and they want you to pay for its replacement.
A venue claims that when you were removing your DJ equipment after an event, you left a major scratch across their brand new wood floor. You know that the scratch was there before you even entered the space, so you choose to defend yourself in court. A General Liability policy helps cover the costs of defending yourself against this claim.
Turns out that the guest that tripped over the microphone broke his foot and requires a cast. He holds you accountable. His medical expenses would be covered by your insurance policy.
Errors & Omissions
You DJ an annual fundraising event for a small financial firm. Following the event, they claim that the music you selected was not appropriate and that it was responsible for guests departing early. The firm only got 50% of the way to their target and they hold you responsible.
Absolutely. Once you’ve purchased a DJ insurance policy, you will be able to view and share your Certificate of Insurance easily in your account.
Yes, with Thimble it’s easy to add a new Additional Insured to your policy if the venue changes. This update, along with changes to the dates and times of your coverage, can be easily made from the Thimble app.
Our General Liability policy does cover bodily injury or property damage to third parties that may involve your equipment: for example, if someone trips on your microphone cord at an event that you are DJing, this may be covered under your General Liability policy.
However, our General Liability insurance does not cover damage to or loss of your own DJ equipment. For this, you will need to purchase a separate equipment insurance policy.
Visit our friends over at Insure My Equipment for personal property insurance plans.
While many venues do not require DJs to have both General and Professional Liability insurance, Professional Liability insurance protects your business further. With a Professional Liability DJ insurance policy, you’ll be protected if anyone claims negligence. And with Thimble, General Liability and Professional Liability policies are bundled for easier check-out and even more peace of mind.
Get peace of mind quickly and easily. All you need to provide is your industry, zip code, and desired coverage period, and we will provide you with an instant quote tailored to your needs.
Events & Entertainment insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.