I Am Pissed!

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Mobile Music 1

Mobile Music 1

New DJ
Feb 20, 2009
102
0
57
Coastal Georgia
www.mobilemusic1.com
I just renewed with NAME and HRH Insurance. Or so I thought....

"I have just received your application for DJ insurance, and I have reviewed your website. I have a few questions about the live singing and musical services that you offer. Can you please explain these services and how they are contracted i.e., is this all contracted under your company using either employees or sub contractors? I want to make sure that we are insuring your company properly, and if I could get a little more information from you that would be great. Please reply with the information requested above."

So I replied,

"We are a husband and wife entertainment team. We take care of one newlywed couple at a time."

When I came home a few hours later, instead of a copy of the policy I received,

"So does one of you play an instrument and the other sings? Or are you a DJ and MC Duo?"

WTF!

"To Whom It May Concern;

Although you stated that you reviewed the website, you apparently haven’t read anything. Let me condense it down a little for you.

Sheila is a pianist and vocalist. I am the MC. Together, we DJ, direct and run sound for wedding ceremonies.

Please send the renewed policy and quit wasting our time with this harassment, unless you are engaged and are interested in our services."

I've already left a message with RVNuccio and with DJ Dr. Drax to see if there's any issues with us jumping the fence while holding onto a microphone and friggin' digital piano!
 
wow they aint as bad as that over here............

we pay money we get insurance
 
You're escalating this a little too fast.

The policy is underwritten specifically for disc jockeys, with that being defined within some relatively narrow parameters.

Taking a closer look at what you do in order to see that it conforms to the policy simply means they are doing their job.

Would you rather have gotten the policy renewal only to have a claim denied later on because your application was non-conforming?

Give them some room to work.
 
You're so pissed that you're making the same post in multiple forums.

Sounds familiar. And a whopping 4 posts, too. Welcome to ODJT.
 
Proformance said:
You're escalating this a little too fast.

The policy is underwritten specifically for disc jockeys, with that being defined within some relatively narrow parameters.

Taking a closer look at what you do in order to see that it conforms to the policy simply means they are doing their job.

Would you rather have gotten the policy only to have a claim denied later on because your application was non-conforming?

Give them some room to work.
Click to expand...

I was thinking the same thing. Lots of insurance companies are glad to take your money and then deny a claim. I would be thanking them for being thorough in making sure it's right for my specific situation.
 
I agree with Scott and Bob. And though they are not my insurance company, I am impressed with the due diligence to learn more about (and hence better protect) their clients.
 
I also applaud them for their dedication but I can't condone the lack of professionalism that Robert showed.

Who sends out an email from a nationwide company without their name in the signature line? Why continue to waste time emailing back and forth if he's not willing to read what was written? Why jeopardize my business with a possible lapse in coverage and also getting pulled from referral lists?

I replied to his second email, "Sheila is a pianist and vocalist. I am the MC. Together, we DJ, direct and run sound for wedding ceremonies."

Then his third email came in, "Just to be clear, you are a DJ while your Wife is a Soloist and a Pianist?" WTF! Actually, truth be known, she actually DJs more than I do.

So I called him up and actually got through to him this time (previous to the emails, I went voicemail twice which never got a return call). Over the phone I said, "I am going to read my last email to you. Sheila is a pianist and vocalist. I am the MC. Together, we DJ, direct and run sound for wedding ceremonies. Are we covered?"

He said, "No. Your policy is limited to DJing but we can increase the coverage to Mobile Entertainer for just $60 annually."

"Here's my card number..."

I had a busy schedule but luckily was able to keep a handle on the situation. If there had been any traveling or multiple day events (festivals, etc) a day from expiring, he potentially could have screwed the goose. Luckily, it has all worked itself out.

Three phone calls and as many emails over a three day period that didn't have to be. Just say, "Hi there. I've reviewed your policy and your website. Please give me a call to confirm details of your business. Respectfully, Robert Head."

On the bright side, you guys are all just DJs but I'm a Mobile Entertainer! :sqlaugh:
 
The one real problem I see with all this is this was a RENEWAL!

Not a new policy which would have required a series of questions!
 
Ever consider... taking your own advice? I'm not doing business with you, so I hope I can speak my mind.
 
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