Insurance?

[Guest]

We have everything in place to get started again except for the insurance. We have been looking around, and I know that WEDJ has insurance for Gold members (which we have signed up for).

Does anyone use this insurance? How is it? Do you have any recommendations for other insurance that may be out there?

 

[MusicMeister]

In all honesty, how good your insurance is doesn't show until you need it.

From what I've seen, most all plans are about the same price. ($175-$200 for 1 year/$1,000,000 in coverage). Of the three places I know to get coverage, all of them require you to 'join' something at one level or another to get that rate.

So, in all honesty, I'd look at the actual carriers themselves. Just ask who they are and then check them out online.

I use the carrier that ADJA has though I used the carrier with WeDJ at one point. In all honesty, I didn't see a difference, but I also never had a claim. If I had a claim, I suspect I may have seen the difference quite quickly. And to be completely fair, NAME also offers insurance, but I'm not a member, and haven't used their insurance plan.

On a side note, part of the reason I used ADJA's carrier was that I was able to get coverage for my equipment inexpensively. It covers the equipment if it gets lost or stolen. The other reason why is that I can grab 3rd party certificates online and print them in a matter of minutes.

 

[DJCC]

I use the insurance from WEDJ.

Never had to use it but have always had great service when needing 3rd party certificates.

 

[eezee]

WEDJ is also what I use. Havent had to file a claim so dont know how that works .

 

[Guest]

Wasn't worried about filing the claims side of it, was wondering about getting the certificate side of it

 

[DJCC]

With the WEDJ insurance the email you a certificate the next day. For 3rd party certificates you fill out the request form, fax or email it and you will get it by fax or email within a day.

 

[MusicMeister]

In the regard of getting 3rd party certificates, I've had the best luck with ADJA's insurance.

I filled out the form and had the certificate in less than 5 minutes. The 'next day' service works fine, but if they don't tell you that you need one until the day of (hasn't happened to me, but I HAVE heard of it happening) then you just need internet access to provide them with one on the spot.

On a side note, the ADJA has an 'insurance only' membership that's $50 IIRC. In other words, you don't have to actually 'join' ADJA to get their insurance if you're somehow 'anti-ADJA' for some reason.


Disclaimer: I am a member of the ADJA, and a co-director for my local ABC networking group.

 

[Guest]

Actually I think WEDJ has automatic certificates now available. If I remember correctly.

 

[Bill Kexel]

I have an independent insurance co. handling my affairs (liability & property coverage)

None of the other insurance companies will cover your gear during transport.

Example:
You get into an accident & your gear is all destroyed, or your vehicle gets broken into & robbed Etc. ...They won't cover it.

I want to make sure it's covered.

 

[MusicMeister]

Most of the insurance listed is for LIABILITY only.

Insurance to cover loss/damage to equipment would be separate. And when you look to get this sort of coverage, you do need to know what it will and won't cover.

 

[DeeJayWoody]

I have an independent insurance co. handling my affairs (liability & property coverage)

None of the other insurance companies will cover your gear during transport.

Example:
You get into an accident & your gear is all destroyed, or your vehicle gets broken into & robbed Etc. ...They won't cover it.

I want to make sure it's covered.

Bill- Who do you use? I'm interested in covering against damages to property as well.

 

[cclark65]

I'm using CSI insurance group out of Texas.

Full replacement coverage while in storage, during transport, and at the venue.
1 million liability policy.
full coverage on my truck as well.

 

[Bill Kexel]

Bill- Who do you use? I'm interested in covering against damages to property as well.

Here's the company in Phoenix....
Lowe & Johnson Buisness insurance.
http://www.lowjohnson.com/

Getting liability covaerage is no problem. There are a lot of places that offer it, but if you want your property covered 24/7...you gotta make sure it's in writing. I knew a DJ that thought his gear was covered...until it was stolen out of his truck at a restaurant (coming home from a gig) Having the name of his DJ company on his vehicle was his biggest mistake.