Wedding DJ Insurance, an Important Commodity
Disc jockey equipment is expensive.
Although it is a rare occurrence for something to be damaged at receptions and other events, it is still possible.
An uninsured disc jockey not only leaves him or her vulnerable, but it also leaves you vulnerable.
Built into most disc jockey contracts is an agreement that holds the buyer responsible for damages.
This means, by law, you are required to pay for the replacement or repair of the disc jockey's equipment in the event that you or one of your guests accidentally damages any of his equipment.
DJ insurance is often quite expensive for disc jockeys, but it is well worth the expense.
If the disc jockey is insured, the only additional cost that clients may be responsible for in the event that DJ equipment is damaged or destroyed during your wedding is the deductible on the insurance plan.
This means that instead of being responsible for up to $20,000 or more worth of damages, you are only responsible for a deductible fee that is usually a very small fraction of the total equipment value.
In addition to this, DJs without insurance could result in you dishing out thousands in legal fees.
Because the liability is built into the contract, you are responsible for the disc jockey's equipment for the entirety of your wedding.
This is a heavy burden to hold on your shoulders that could redirect your attention from the fun of the party to the unfortunate book-keeping portion of the event.
If something does happen at the event, you'll be forced to either pay up the DJs estimated demands, or take the situation to court and fight through the process.
If you lose your case, you'll not only need to pay the settlement, but you'll also owe a large sum of legal fees.
Before hiring a DJ, be sure to check if he is insured.
Proof of insurance should be easy for him to display.
Typically, insurance companies provide a proof of insurance card or statement that displays the initiation and expiration date of the insurance policy.
If the DJ shows you expired documentation, be sure to make the disc jockey aware of this and ask for up to date proof of insurance.
It's not always possible for customers to request proof of insurance from the actual insurance company, so you'll need to confirm all these details with the disc jockey.
Once you are certain of his insurance, be sure to ask him to review over the details of the contract and help you understand what the extent of your liability is.
Knowing if you are responsible for the deductible and how much it costs is all very important.
In addition, be sure that it is clear in the contract that you as a customer are covered in the event of equipment damage.
The last thing you want after your wedding is a law suit.
The contract could make or break your future plans after your wedding, so make sure you're covered before you sign it and hire the disc jockey.
Although it is a rare occurrence for something to be damaged at receptions and other events, it is still possible.
An uninsured disc jockey not only leaves him or her vulnerable, but it also leaves you vulnerable.
Built into most disc jockey contracts is an agreement that holds the buyer responsible for damages.
This means, by law, you are required to pay for the replacement or repair of the disc jockey's equipment in the event that you or one of your guests accidentally damages any of his equipment.
DJ insurance is often quite expensive for disc jockeys, but it is well worth the expense.
If the disc jockey is insured, the only additional cost that clients may be responsible for in the event that DJ equipment is damaged or destroyed during your wedding is the deductible on the insurance plan.
This means that instead of being responsible for up to $20,000 or more worth of damages, you are only responsible for a deductible fee that is usually a very small fraction of the total equipment value.
In addition to this, DJs without insurance could result in you dishing out thousands in legal fees.
Because the liability is built into the contract, you are responsible for the disc jockey's equipment for the entirety of your wedding.
This is a heavy burden to hold on your shoulders that could redirect your attention from the fun of the party to the unfortunate book-keeping portion of the event.
If something does happen at the event, you'll be forced to either pay up the DJs estimated demands, or take the situation to court and fight through the process.
If you lose your case, you'll not only need to pay the settlement, but you'll also owe a large sum of legal fees.
Before hiring a DJ, be sure to check if he is insured.
Proof of insurance should be easy for him to display.
Typically, insurance companies provide a proof of insurance card or statement that displays the initiation and expiration date of the insurance policy.
If the DJ shows you expired documentation, be sure to make the disc jockey aware of this and ask for up to date proof of insurance.
It's not always possible for customers to request proof of insurance from the actual insurance company, so you'll need to confirm all these details with the disc jockey.
Once you are certain of his insurance, be sure to ask him to review over the details of the contract and help you understand what the extent of your liability is.
Knowing if you are responsible for the deductible and how much it costs is all very important.
In addition, be sure that it is clear in the contract that you as a customer are covered in the event of equipment damage.
The last thing you want after your wedding is a law suit.
The contract could make or break your future plans after your wedding, so make sure you're covered before you sign it and hire the disc jockey.
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