| If you are venturing into providing a mobile disco | | | | possibly loss of earnings can all be claimed for. Of |
| service, at some point, you'll likely encounter a venue | | | | course, death maybe the final chapter for the |
| that requires you to provide proof of Public Liability | | | | unfortunate individual who can not physically make a |
| Insurance before you can set-up disco equipment and | | | | claim, but the victims family would most likely pursue a |
| perform! | | | | case, along with any fines that the Health and Safety |
| Public hire and Hotel venues can set the level of | | | | Executive see fit to seek. There's always a possibility |
| indemnity required, so it's a good idea to research the | | | | of accident, even for the most careful, mindful DJ. |
| area of intended service cover to gauge an idea of | | | | For example:- Lighting can fall from gantry, third parties |
| how much 'PLI' you will need. | | | | can trip over cables, electrical equipment or power |
| Although 'PLI' is not a legal requirement, because | | | | cables can cause electric shocks, speakers could |
| venues can set their own criteria, it is worth acquiring, | | | | cause hearing damage, smoke machines could cause |
| else the mobile DJ would lose the opportunity of | | | | breathing difficulties for some, lasers and strobe lighting |
| working the venue and any other that insists on the | | | | can trigger forms of epileptic fits, bubble machines can |
| service holding PLI, and should a claim arise, the DJ | | | | catalyst slippery surfaces, tripods can fall over, rigging |
| wouldn't have to risk re-mortgaging their home or even | | | | can be overbalanced, flight-cases can cause trip |
| selling-up to pay damages! | | | | hazards, etc. |
| What needs to be understood also, is that Public | | | | Where can I obtain DJ Public Liability? |
| Liability Insurance will essentially cover the policy holder | | | | From my own experience, the minimum level of Public |
| against a clam by the venue for property damage. | | | | Liability Insurance provided by non-profit organisations |
| Thus, individuals or groups of people at a function who | | | | (as a benefit of membership) is highly competitive to |
| suffer injury, including damage to venue property by | | | | that of purchasing PLI through non-specialist broker |
| direct actions or through negligence on the DJs part will | | | | services. PLI cover up to £10 million pounds can be |
| be covered in the event of an 'accident'. | | | | obtained via membership to various established DJ |
| Wedding venues are increasingly requesting that DJs | | | | Associations and the Musicians Union. This level of |
| and entertainment services supply hard copy details of | | | | indemnity is enough to cover the majority of Hotels |
| PLI cover in advance, so before committing availability | | | | requirements, however I do recommend that you read |
| to a couples 'big day', it would be wise for the mobile | | | | both the membership and actual Public Liability |
| DJ to get every requirement in place, or their business | | | | Insurance policy terms and exclusions in detail. |
| reputation will undoubtedly take a nose-dive before it | | | | Also, be aware that whilst policy's bundled with |
| can really take off. | | | | membership may be included as a 'benefit of |
| Experienced mobile DJs as well as newbie DJs face | | | | membership', should you sign-up for membership mid |
| the possibility of a claim at any function because | | | | term, you will only be covered for PLI until the |
| everyday risks are not confined just to Hotels or Public | | | | remainder of the policy term. |
| Hire venues. If an accident did occur, with liability | | | | Should there be a claim or claims during the current |
| insurance cover in place, the risk of an expensive | | | | policy term, the following years premium may increase, |
| court case paid for out of the DJs own pocket would | | | | therefore it is wise to ensure that the entity you sign |
| be more than diminished. | | | | up to assures that any shortfall for increases in future |
| You've probably seen the 'No win, no fee' TV adverts | | | | insurance premiums is not met by you or the |
| which help compensate many thousands of pounds | | | | members, but by the entity, as you may find yourself in |
| for minor injuries to victims of accidents, so consider | | | | the unfortunate position of having no PLI cover for the |
| the outcome for serious injury or disability as a result | | | | remainder of your membership should the entity not |
| of action/s by a DJ. Lets not forget that costs such as | | | | meet the following terms premium increase! |
| medical bills, compensation for trauma and quite | | | | |