Do you give a copy of your DJ Insurance Policy to the Venue when asked or do you just show it to let them know that you do possess Insurance?
DJ Insurance
- Thread starter ahoustondj
- Start date
we wil provide a certificate of insurance upon request. No big deal. Occasionally we have to list additional insured; not a big deal either.
I show it not give it! I can't speak for the laws in Canada. I go with what rules in my City and State. This may be a surprise to some of you but both a Business Laywer and Personal Injury Lawyer have each told me it is the Client's (Example Bride & Groom) responsibility to accept responsibility at the Venue/Reception. The Client can then require you to provide said Insurance. This will hold them harmless if by cause of action there is an injury to a Guest or Venue's property incurred by you and your equipment.
The DJ is part of the Client's entourage if you may. The DJ does not have a contract with the Venue and therefore is not obligated to provide the Venue with responsibility. However, we all know that can pose a problem of getting in to do our job. I was also advised never to put the Venue's name on the Policy because that becomes an assignment of liability with the DJ paying the Premium for Coverage as well as Claims from his policy.
Again, we all gather around and surmise what is and what is not Legal Fact. I prefer for a Licensed and competent professional to give me the direction I seek that will protect me. I view DJing as a business and thus treat it as one.
My insurance agent and I have gone over what is acceptable and normal as far as providing a certificate of insurance to venues and I feel perfectly comfortable doing so. It only indicates that we have liability insurance, or that we have liability insurance specific to that location or event. It does not say that we are responsible! It only shows we have insurance for our actions. The venue is responsible for their location, staff, etc, and yes, the client is responsible at least in part for themselves and their guests.