Colleagues : If a facility (the Marriott Group, for example), demands that any vendor/provider performing any services on their grounds must present proof of liability certification with their name on that policy as being co-insured, inquire as to how the carrier is going to provide you the actual co-named co-insured proof of policy certification, how quickly, how often, and what kind of hoops you'll need to jump through to get it.
If you invite clients to your home for meetings or any kind, ask the carrier what extended coverages are available for fee or for free to help reduce home/office risk. If you're relying on homeowners only to cover business risk, you're in for a rude, expensive, wake-up call if something goes amiss.
Ask the carrier what reporting procedures they have in place should a questionable incident occur at one of your events (e.g. a glass drops on the dance floor and shatters. You keep playing knowing there's a hazardous condition. Someone rips the bottom of their feet to shreds and goes after the house and you for damages. Now what???
Ask the carrier what should you do if one of your tripod mounted speakers falls on someone(s).
Having the insurance is all well and good, however I'd bet 99.9% of policy owners have no clue under what conditions should a report be made, who to report it to, what should be contained in the report, and how to submit it.
That partially covers typical Liability Insurance questions.
Equipment insurance is generally $10 per year per $1,000 of equipment coverage. Varying forms of proof of ownership of the gear, most generally an itemized list with serial numbers, is accepted.
Now, you buy a new $600 mixer today. You're going to test it out because there's a 10 day return policy. 2 days later, it's stolen. Ask your carrier, is it covered even though you didn't immediately call it in and add it to your list? What is the grace period allowed between the purchase and needing to physically add it to the policy?
Is the coverage full market replacement or prorated based on age and used market value?
If you have a home/office, can some or all of your office equipment be included?
That's equipment insurance.
Performance Insurance is akin to Medical Malpractice insurance. depending on how many shows you do a year and typical the locations you work, it is possible to obtain a policy to protect yourself from the "you f'd up my wedding and we're suing you for the total cost of the wedding." Even though it is doubtful it would be successful, especially if your contract has a limit of liability clause, there's no stopping someone from suing just to be a pain. Legal costs are huge.
A typical reasonable Performance Insurance coverage policy starts at $5,000/year.
Here's hoping these very typical mobile DJ related questions will help you decipher which policy/carrier will be best for you. The last thing to consider is cost, for God's sake.
Actually looking to buy a policy. Even though as of right now I am just a hobyist DJ, I have enough gigs booked that I feel I want to be covered by insurance. I would like to have a liability and equipment policy. And with the knowledgeable people I have met on here, I thought I would pose the question of where should I go to you guys! Any information would be much appreciated! Thanks!! 
