Talking about insurance...

[Bill Kexel]

There has been talk about insurance (auto, liability, property, Etc.) It got me thinking.

For those of you that have your gear covered. (theft, accident, fire, Etc.) Who do you call if you have been in an auto accident on the way home from a gig and your DJ gear gets destroyed? Is it covered?

 

[atomicfission92]

That is what Inland Marine Insurance is for. It covers gear at the gig location or on the way to and from.

 

[Steve LeBlanc]

Bill - typically your auto liability will cover damage you do to others (if you are at fault). When your trailer is hitched up....your liability on the vehicle extends to the trailer (only while its hitched).

Collision and comp only applies to the described vehicle, not the trailer. You can add your trailer to the aoto policy and get collision/comp....I pay $50 per year for my 5x8 Atlas.

You DJ gear is not covered by your auto policy. You either need to by a separate equipment ) inland marine) policy (I have coverage where I bought my dj liability insurance),; you may be able to buy a floater on your homeowners/tenants policy...You pay so much/$100 of value.

most homeowners/tenants policies will give an extension of coverage to business equipment while on site (at the residence)...that's limited to $2500 or $5000 (varies).

At the described risk (residence) could include (read your policy) while in the trailer, or garage....

 

[DougF]

Just a heads up State Farm will not in any way shape or form insure a mobile DJ business or equipment. They do not write coverage as we are too high risk. Also note that typical homeowners/renters policies may only cover "Consumer Grade" Audio and Video Equipment.

 

[Steve LeBlanc]

Doug - I don't know what the specifics are in the USA.....the Main body of the policy does not insure "business" items. If i had a rec room and turned it into a mini club with lighting, dound gear etc.... it's still personal items ...business usually means making money off of it.

In Canada the typical renters/homeowners policy will add extensions onto the policy to cover things such as students belonging while at residence and as well business items whilst on the premises; limited of course...

Your homeowners/renters liability policy will NOT cover you out DJ'ing

 

[Bill Kexel]

Just a heads up State Farm will not in any way shape or form insure a mobile DJ business or equipment. They do not write coverage as we are too high risk. Also note that typical homeowners/renters policies may only cover "Consumer Grade" Audio and Video Equipment.

Yep, you are correct. From what I have been told, homeowner's & auto insurance do not cover the gear because it is used as a business. (unless you have a special policy) Most insurance companies that do cover it want a list of all your gear, serial numbers, the value of each piece, Etc.

For those of you that do carry a policy to protect your gear, you may want to read the fine print/check with your representative........

....Most do not cover the gear DURING transport. If you get in a crash, or your gear is stolen at a gas station, hotel, Etc....It's not covered! A DJ friend of mine found out the hard way.

 

[Alan Dodson]

The insurance that is available via ADJA covers your gear and provides liability coverage at a very reasonable price.

 

[Bill Kexel]

The insurance that is available via ADJA covers your gear and provides liability coverage at a very reasonable price.

But not during transport....check it out.
(at least that's what they told me)