DJ Gear / Equipment Insurance
DJ Gear/Equipment as low as $6.58/mo.
Equipment Insurance.
Available to Quote & Buy online 24/7.
- 12 months of Gear Coverage anywhere, anytime
- Replacement cost basis (new for old)
- Includes coverage for loss due to fire, earthquake and more
- Available in all 50 states and endorsed by ADJA
- 24/7 Claims Reporting
RVNA Gear/Equipment insurance is available to any DJ, KJ or VJ who owns office or business equipment. Gear/Equpiment replacement cost (new for old) insurance protection, which includes coverage for earthquake.
Included Coverages.
RVNA Gear/Equipment has two coverage options — Gear/Equipment and Business Media (CD, Vinyl and other Audio files) Library. Every DJ should have Gear/Equipment Insurance.
Gear/Equipment provides insurance coverage for any office or DJ, KJ, or VJ equipment* against most risks of direct physical damage from any external cause.
Business Media coverage covers a DJs, KJs or VJs CDs, KDs, MP3s and Vinyls* against most risks of direct physical damage from any external cause.
Both coverages are provided on a replacement cost basis (new for old), see your policy for deductible. The policy includes coverage for loss due to theft, damage, fire, hurricanes, earthquake, flood, and more!
Important Note:
When completing the insurance application, make sure the limit selected is equal to the total replacement value of the items you’re insuring. Then, the policy will give you new equipment for old equipment.
*per loss deductible
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.
Equipment/gear insurance is available to DJs/KJs/VJs that own and need to insure everything in their setup such as mixing boards, speakers, microphones, lighting setups, laptops, and more! You’re covered while transporting and setting up anywhere in the United States – even when you’re home or your equipment is sitting in storage. Your equipment will be covered using replacement cost (new for old) not actual cash value and we have no per-item maximum on individual items. You never have to provide us with a list of your equipment to be insured. Rented equipment coverage is also available!
You should insure 100% of your gear to protect you, if you have a claim.
Why? If you ever have a claim (and let’s hope you don’t)the insurance company will consider all of your gear/equipment not just the gear/equipment that you were using when you had a claim. If the insurance company determines you are underinsured (meaning you said you had less equipment than you did to lower your overall premium) they will pay less on your claim. This is standard for all insurance companies that offer business property/equipment insurance.
When purchasing RVNA Property/Equipment coverage, all items to be insured should be valued with the replacement cost (what you would pay today for a brand new item) not the actual cash value. It is not necessarily what you paid when you originally bought the item, you want to insure your items for the cost it would take to replace them today.
DJ Insurance In Minutes offers Gear/Equipment 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 ProPhotographersInsurance.com to purchase a policy to properly insure your photo booth from theft, loss, or damage.
If you need business equipment and property coverage then purchase Gear/Equipment insurance. In addition, if you have employees and want to protect yourself from FRAUDULENT or DISHONEST ACTS by employees directly related to money and other securities then purchase Employee Crime.
Employee Crime does not cover DJ/KJ/VJ business gear and equipment when lost, stolen or destroyed. You must purchase Gear/Equipment coverage in order to insure your business equipment.
If you have employees, then Employee Crime protects the insured DJ/KJ/VJ against the theft of money and other securities, as well as forgery or alteration and employee dishonesty but it does not provide business gear and equipment coverage.
| Gear/Equipment | Employee Crime | |
|---|---|---|
| Protection Provided | Gear/Equipment Insurance covers DJ/KJ/VJ equipment, gear, office equipment, and media libraries including tapes, CDs, KDs, and LPs up to the selected limit, for losses caused by theft, damage, fire, hurricanes, earthquake, flood, and more! | Employee Crime Insurance covers three things excluded by gear/equipment insurance:
Employee dishonesty Forgery or alteration Theft, disappearance, and destruction of money and securities |
| Who Should Have Coverage | Every DJ should have Gear/Equipment Insurance. | DJs with employees should have Employee Crime Insurance because of the employee dishonesty component, which includes employee theft of equipment.
For other DJs, Employee Crime Insurance is a good thing to have if ever faced with a money/securities loss or a forgery situation. |
| Coverage Tip | When completing the insurance application, make sure the limit selected is equal to the total replacement value of the items you’re insuring. Then, the policy will give you new equipment for old equipment. | If you have an employee who has ever been convicted of dishonest acts in the past, he/she will not have coverage under your crime policy. Background checks are prudent. |
This program has specific exclusions usual to this form of property/equipment 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.
There is NO coverage, or coverage is excluded for:
- Losses greater than the replacement value of the property.
- Losses greater than the limit of insurance assigned to an item.
- Loss due to inventory shortage or mysterious disappearance.
- Loss or damage caused by, or made worse by:
- Deterioration, inherent vice or latent defect;
- Wear and tear;
- Seizure or destruction of property by order of governmental authority;
- Illegal transportation or trade;
- A dishonest act of an employee (This coverage is available under Employee Crime);
- The neglect of the insured to reasonably protect the property from a disaster or neighboring fire.
- Property that is loaned, rented or given to others. This exclusion does not apply to equipment the insured DJ, KJ or VJ provides to his/her employees or subcontractors performing at a venue on behalf of the insured DJ, KJ or VJ.