dj insurance

General Policy Questions

Who is R.V. Nuccio & Associates, Inc.?

R.V. Nuccio & Associates Insurance Brokers, Inc. is an insurance brokerage firm that operates nationwide, specializing in boutique insurance products for over 35 years. Read more

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How do I get a copy of my insurance policy?

When you purchase a policy, you are prompted to print your documents immediately. In addition, you will instantly receive an e-mail with all documents attached in PDF format. You can also sign in to your account anytime to view policy details.

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How do I make changes to my policy or obtain a Certificate of Liability?

Obtaining a Certificate of Liability can be done by signing in to your account using RVNA's online policy management system. All other changes to your policy must be requested in writing. Please e-mail requested changes to support@rvnuccio.com. Once we receive your request, we will process the change. Once the change is complete, you will receive an e-mail with a change endorsement and corrected documents.

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What is your cancellation/refund policy?

Requests to cancel a policy must be in writing 48 hours prior to the effective date. An email request must be sent to support@rvnuccio.com. If you have any questions, contact R.V. Nuccio & Associates Insurance Brokers, Inc.

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Does the policy have a deductible?

The policies have specific deductibles for each coverage option. Please see the specific coverage option sections for more information. Liability Plus, Property Plus, Crime Plus

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How do I report a claim?

To report a claim, call our office at 1.800.364.2433 between the hours of 8:30 AM and 5:00 PM Pacific Time. A representative will assist you with filing your claim.

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Definitions

Bodily Injury Liability

This coverage is designed to protect the insured against lawsuits arising by third parties for bodily injury.

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Host Liquor Liability

Host Liquor Liability insurance is included at no additional charge with Liability Plus. Host Liquor Liability Insurance provides protection for the insured against bodily injury or property damage suits brought by parties whose injuries arise from actions of an intoxicated guest. Host Liquor Liability coverage applies only if there is no transfer of money for alcohol or service/product packages that include alcohol.

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Loss Inside Premises

This is part of the Theft, Disappearance and Destruction coverage under Crime Plus. Loss Inside Premises provides protection* for the loss of money and securities by the actual destruction, disappearance or wrongful abstraction thereof, within the premises.
*see your policy for deductible

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Loss Outside Premises

This is part of the Theft, Disappearance and Destruction coverage under Crime Plus. Loss Outside Premises provides protection* for the loss of money and securities by the actual destruction, disappearance or wrongful abstraction thereof, outside the premises while being conveyed by a messenger, or while within the living quarters in the home of any messenger. In most cases, the "messenger" would be your DJ, KJ or VJ employee collecting money or checks on your behalf.
*see your policy for deductible

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Medical Payments

Medical Payments pays the cost of an injured person's medical expenses up to the policy limit, without consideration of who is at fault. Medical Payments coverage often helps avoid lawsuits by giving the Insured Policyholder a hassle-free means to appease potentially litigious injured persons.

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Non-Owned and Hired Auto Liability

Non-Owned and Hired Automobile Liability Insurance protects the insured against third-party lawsuits arising from the use of automobiles, which are not owned or are rented, chartered or hired by the insured, such as a chartered bus.

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Personal Injury Liability

Personal Injury Liability protects the insured from personal injury, other than bodily injury, resulting from false arrest, false detention, false imprisonment, malicious prosecution, wrongful eviction, wrongful entry, or the invasion of privacy of a premises. It also includes injury caused by oral or written material that slanders a person, goods, products, services, or which violates the right of privacy.

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Property Damage Liability

Property Damage Liability protects you for acts of negligence that you become legally obligated to pay for damage to property not in your care, custody and control.

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Setups

A setup is the equipment necessary for a DJ, KJ or VJ to perform at a contracted event.

Ask yourself how many setups, under your company, you have performing at different gigs, on a single night. For example, you employ or subcontract two DJs, in addition to yourself. You have contracted three gigs/jobs for one evening. You will be at one location and your employed/subcontracted DJs will be at two other locations. In this scenario, you would need to report a total of three setups.

Subcontractors
If your subcontractors have their own liability insurance, they must add your company as an Additional Insured to their liability policy. Once you are added to their policy as an Additional Insured you do not have to report them as a setup.

Employees
If you employ other DJs, KJs, or VJs, and supply them with equipment in order to perform at a gig/event, this is considered a setup. It's possible that you may have three employees but only own two setups for employees to use at contracted events. Each setup must be counted and reported in the total number of setups when completing the application.

If you do not report the correct number of setups and a claim arises you may put yourself in a situation where your claim will not be covered. If you report two setups and later it is discovered that you have three setups, the insurance carrier will deny coverage based upon the misreporting of the number of setups.

Think twice about how you report the number of setups.

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Subcontractors

A DJ, KJ or VJ, that is hired to perform on behalf of the insured DJ, KJ or VJ, at a contracted event is considered a subcontractor. Employees are not considered subcontractors.

Insurance coverage only protects the insured company and its employees. It will not provide defense or judgment coverage to a subcontractor or independent contractor.

Attn: Subcontractors
If you work as a subcontractor or independent contractor, secure your own liability insurance.

Attn: DJs, KJs or VJs who hire DJs to perform contracted work
If you hire subcontractors or independent contractors, obtain a Certificate of Insurance from the subcontractor or independent contractor, as proof of coverage. A liability limit of $1,000,000 or more is recommended. You can also add them to your policy by purchasing an additional setup at any time throughout your policy term.

Setups
Regardless of whether you have subcontractors, independent contractors or employees, make sure you purchase the correct number of setups. If you don't, your insurance may not protect you as intended.

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The information provided is only a summary of the coverage. It is not all inclusive, nor does it alter or waive any of the actual policy language. Please refer to your policy for specific coverage language.

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