General Liability Insurance.
Available to Quote & Buy online 24/7.
- Free, unlimited Certificates of Insurance all year!
- General Liability insurance protection with limits up to $2 Million.
- Includes Non-Owned and Hired Auto Liability
- Available in all 50 states and endorsed by ADJA
Non-Owned & Hired Auto.
Included free with the purchase of Liability Insurance.
The only DJ Insurance Policy available that offers Non-Owned & Hired Auto Liability.
RVNA Liability Insurance covers any DJ, KJ or VJ for a single gig or multiple gigs for 12 months and is extended to any employee of the named insured, including other employed DJs, KJs, or VJs performing a gig on behalf of the named insured DJ, KJ or VJ.
Coverages included with RVNA DJ General Liability for DJs, KJs and VJs are:
- Bodily Injury Liability
- Damage to Premises
- Medical Payments
- Non-Owned and Hired Auto Liability
- Personal Injury Liability
- Products Liability
- Property Damage Liability
Certificates of Liability.
When you purchase RVNA DJ Liability Insurance, a Certificate of Insurance and an Additional Insured Endorsement will be issued, instantly.
Conveniently customize the Certificate of Liability Insurance with the venue’s name and location, online.
Add unlimited Certificates of Liability, online
Manage your policy any time and add unlimited Certificates of Liability, instantly, at no charge.
Underwriter information and sample policy.
The RVNA DJ insurance program is exclusively administered nationally by R.V. Nuccio & Associates Insurance Brokers, Inc. and is underwritten by an A+ rated insurance company.
RVNA General Liability protects DJs, KJs, and VJs against lawsuits involving injuries to others (ex. your speaker falls on someone’s head) and damage to property of others (ex. your speaker scratches the event site’s floor). This coverage is available with optional limits and includes legal costs in addition to the selected limit.
Commercial General Liability coverage includes:
Some DJ companies perform at multiple 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 gigs.
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 gig.
Employees: If you employ other DJs, KJs, or VJs, and supply them with equipment in order to perform, this is considered a gig. It’s possible that you may have three employees but perform at a maximum of two gigs per night.
If you do not report the correct number of gigs and a claim arises you may put yourself in a situation where your claim will not be covered. If you report two gigs and later it is discovered that you have three gigs, the insurance carrier will deny coverage based upon the misreporting of the number of gigs.
Yes! DJ Insurance in Minutes is the only DJ Insurance to offer and include Non-Owned and Hired Auto (at no additional cost) with the purchase of our DJ General Liability coverage.
DJ Insurance In Minutes offers Liability coverage for DJs / KJs / VJs whose business operations are in conjunction with photo booth services. If your photo booth operations are independent of your DJ services, please visit www.ProPhotographersInsurance.comto purchase a policy to properly insure your photo booth.
If you occasionally contract with another DJ, KJ, or VJ company (Independent Contractor or subcontractor) to perform at a venue on your behalf under your company banner and there is a liability claim, you will be sued along with the Independent Contractor DJ, KJ, or VJ company you contracted, as they are operating on your behalf or under your company banner. Unless you have reported and paid for the correct number of gigs under the liability portion of the policy, the liability insurance will not apply.
Also, if you are subcontracting a job to another DJ, KJ, or VJ company to perform at a venue under your company banner, it is imperative that you obtain a Certificate of Insurance from the subcontracted DJ, KJ, or VJ company as proof of at least $1,000,000 of liability insurance. This Certificate Of Insurance should also name you and your DJ, KJ, or VJ company as an ‘Additional Insured’. If you and your DJ, KJ, or VJ company are properly named as an Additional Insured on the subcontracted DJ, KJ, or VJ liability insurance policy, in the event of a loss, you will have some protection from the subcontracted DJ, KJ, or VJ company liability insurance policy.
This RVNA Liability insurance program has specific exclusions usual to this form of general liability insurance. It must be understood that this is only a summary; it is not all inclusive, nor does it alter or waive any of the actual policy language. Questions regarding these exclusions, or this summary, should be directed to R.V. Nuccio & Associates Insurance Brokers, Inc. at 1.800.364.2433.
There is NO coverage, or coverage is excluded for:
- Owned Automobile Liability
- Owned Watercraft Liability
- Owned/Non-Owned Aircraft Liability
- Professional Liability
- Property Damage Liability to any real or personal property which is in the care, custody or control of the insured DJ, KJ or VJ.
- Any and all sums that would be recoverable under a Workers Compensation insurance policy, whether or not such policy exists.