DJ Insurance - Group Liability & Property
Please note: Access to our excellent group pricing for disc jockey insurance is just one of many benefits of USDJA membership. Becoming a USDJA member does not include or guarantee insurance coverage. See steps below to obtain a quote and purchase your policy. Contact our insurance broker directly if your net DJ sales are greater than $250k, or if you use production equipment.
WHY DO I NEED DJ INSURANCE? Imagine what would happen if you woke up tomorrow and you didn't have your DJ equipment due to theft or fire. Imagine the impact of a $500,000 or $1,000,000 lawsuit against you, a subcontractor, or other representative of your business. Without insurance, your world could be turned upside down; possibly dealing a huge financial blow to you, your family, and your business. At USDJA, our members can rest easier at night, knowing that when they obtain insurance through our group insurance benefit, they will be covered for unforeseen losses (subject to policy terms and limits, or course). Our insurance benefit is backed by the Philadelphia Insurance Companies, an A++ rated carrier, and is serviced by the best broker in the business, Dale Wittick, Jr., CPCU. Dale is the only CPCU (Certified Property Casualty Underwriter) that has specialized in providing insurance for the DJ industry. In addition, Dale has appeared at more national DJ trade shows, conventions, and educational seminars for DJs and entertainers than any other insurance broker or representative.
PRICING: Inland marine (equipment) insurance for disc jockeys starts at $150 per year for up to $15,000 of coverage and just $10 more for each $1,000 of gear. $1,000,000/$2,000,000 of liability insurance for single-operator DJ companies starts at $175 ($263 for $2M/$2M coverage) and just $60 more per additional DJ or assistant. Get a free, real-time price quote at www.peepinsurance.com (USDJA membership required to activate the policy and membership must be maintained to renew or maintain coverage).
DID YOU KNOW that subcontractors do not have coverage under your insurance policy? All of your subcontractors need their own insurance policy. If a negligent act by a subcontractor at one of your events results in a lawsuit against your business, your business will be covered up to your policy limits, but your subcontractor will not be covered. As a business owner that relies on the availability, professionalism, and equipment that your contractors provide, you should ensure through a subcontractor agreement and verification of their policy certificate, that they are properly covered.
ENOUGH INFORMATION.... I'M SOLD! HOW DO I GET A DJ INSURANCE POLICY? The process to gain coverage through USDJA's master insurance policy takes just 5-7 minutes. The end result is a certificate of insurance in your email box within seconds after checkout for up to $2,000,000 of coverage - effective as early as the next calendar day, or you can set it to start when your current policy expires.
STEP 1: Become a basic or premium USDJA member by selecting a DJ association membership here and making full payment through the checkout process.
STEP 2: You'll receive a receipt and member number (your member number is your invoice number) in your email within a few seconds of checkout.
STEP 3: Go to www.peepinsurance.com and click the "Apply for Insurance" button - complete the information requested, receive your quote, and checkout.
STEP 4: That's It! You will receive your Certificate of Insurance via email within seconds of purchase.
If you need to add additional insured parties or venues, no problem! The simple self-service access is available 24/7. Just go back to www.peepinsurance.com and click the "Get a Certificate" button. You'll need to request your certificate the day before your event, but you can sit down at one time and print certificates of insurance for all of your events - no extra cost - it will make you and your business look more professional in the eyes of the venue managers, which may help land you on more preferred vendor lists.
Dale Wittick, Jr., CPCU
PEEP Insurance Incorporated