DJs are required to have insurance? - dj forums

**Epic Fail Guy** · 11-30-07, 10:28 PM

Seriously? In order to get a gig, you have to have insurance? This is all according to my school.

**Red Fox** · 11-30-07, 10:53 PM

lol your school is fagtarded dude, its not REQUIRED

Legs Diamond · 11-30-07, 11:05 PM

It's a very smart idea though.

They are prolly just making sure they cover their asses. If something happens to your stuff you could ultimately 'try' to hold them liable and compensate you for any damaged equipment.

AltarCrystal · 11-30-07, 11:16 PM

Like other said, it's ALWAYS a good idea to have insurance on your stuff. But, if you insist not getting it, or can't get it by the time you want to spin for them, ask to sign some sort of disclaimer. Just remember though...if something happens, it's your fault

deadBeat Dave · 12-01-07, 12:59 PM

They mean liability insurance, and could care less if you have replacement insurance on your gear.
That way, if you hook your stuff up and it burns down the school, or you wreck anything of theirs, they can get reimbursed without having to sue you personally.
Same goes for any other venue.

KonstantinG · 12-01-07, 03:07 PM

i have insurance that protects my stuff in case it is stolen.

Numeister · 12-01-07, 10:37 PM

Quote:

Originally Posted by deadBeat Dave

They mean liability insurance, and could care less if you have replacement insurance on your gear.
That way, if you hook your stuff up and it burns down the school, or you wreck anything of theirs, they can get reimbursed without having to sue you personally.
Same goes for any other venue.

holy another calgarian, we're all over this site. Liability insurance is a bitch, they would want full coverage, how much does a school cost?

KonstantinG · 12-01-07, 11:22 PM

pretty much you could cover your ass for 300,000.00 (liability) + 15,000.00 (personal injury) and pay about 100.00/yr.

the rest of the damage the insurance from the other people should pay as it would be smart to have coverage on their part... you know... for accidents that happen.

djmightymouse76 · 12-02-07, 11:06 AM

You are correct.... However that is not entirley accurate. The rate here in cali is about 1000 a year, and you have to put 500 down. I cant pay that right now... However I have renters insurance, but it only covers up to 1000 bucks when the equipment leaves the home. And obviously I cannot use this for general liabilty. So I miss out on a lot of gigs, because they do not want to accept a waiver signed by me. At the resort I work at, they need me to be insured for a million dollars.

deadBeat Dave · 12-02-07, 05:15 PM

Quote:

Originally Posted by Numeister

holy another calgarian, we're all over this site. Liability insurance is a bitch, they would want full coverage, how much does a school cost?

cool!

We are pretty lucky here in Canada... we can join the CDJA (Canadian DJ Ass.) for $310, it comes with 2 million liability. Add another $100 for an AVLA hard drive music license (or $35 for media).
There is also a discount available for equipment insurance.

As for the US... they have the ADJA but I don't know how much it is, or what it comes with.
Oh...and the US does not have any music recording licenses. haha.

EDIT:
http://www.CDJA.org/
http://www.avla2007.ca/

Lady Royalty · 12-02-07, 06:06 PM

wouldn;t a contract take care of it?

Numeister · 12-03-07, 12:40 AM

Quote:

Originally Posted by Lady Royalty

wouldn;t a contract take care of it?

They wouldn't sign the contract unless it included liability insurance.

Mattredd · 12-03-07, 12:58 AM

I think you can also buy liability insurance for specific events, not in general? though as a performing dj you would probably save money getting it in general

xplizt · 12-03-07, 01:38 AM

I would tell the school to suck on my left... then right nut... and at the same time to stroke my dick.

Are you sure they aren't talking about a license instead?

DJCHALF · 12-03-07, 09:32 AM

if you put in the contract that they are responsible for any illegal activities or damaged equipment then you dont need insurance. depending on where you r the insurance can be mad expensive. in some areas if a party is broken up the cops can take ur gear. if you put that disclaimer in the contract the customer has to pay you for the equipment that the cops took.

deadBeat Dave · 12-03-07, 11:15 AM

Quote:

Originally Posted by DJCHALF

if you put in the contract that they are responsible for any illegal activities or damaged equipment then you dont need insurance. depending on where you r the insurance can be mad expensive. in some areas if a party is broken up the cops can take ur gear. if you put that disclaimer in the contract the customer has to pay you for the equipment that the cops took.

once again, school or any other venue could care less if your equipment is insured, they are looking for liability insurance in case you cause damage to THEIR building or equipment. NOT YOURS.

you should have equipment insurance in case it gets stolen, dropped, blown up real good...etc.

11-30-07, 10:28 PM	#1
Epic Fail Guy I hate you all Join Date: Feb 2006 Location: San Diego, CA Posts: 6,298 Track: Chelley - Took The Night	DJs are required to have insurance? Seriously? In order to get a gig, you have to have insurance? This is all according to my school. __________________

11-30-07, 11:05 PM	#3
Legs Diamond Resident DJ Join Date: Jun 2005 Location: MARYLAND Posts: 1,476 Track: Technotronic - Pump Up The Jam	It's a very smart idea though. They are prolly just making sure they cover their asses. If something happens to your stuff you could ultimately 'try' to hold them liable and compensate you for any damaged equipment. __________________ Space I Face I Get On My Cloud

12-01-07, 12:59 PM	#5
deadBeat Dave Beginner DJ Join Date: Jan 2006 Location: Calgary, Ab. Canada Posts: 54 Track: I'll House you.	They mean liability insurance, and could care less if you have replacement insurance on your gear. That way, if you hook your stuff up and it burns down the school, or you wreck anything of theirs, they can get reimbursed without having to sue you personally. Same goes for any other venue. __________________ David Househead is my user name now...this account I no longer use, as after 1 year of trying to get my username changed without any kind of response from any moderator, I gave up!

12-01-07, 03:07 PM	#6
KonstantinG Resident DJ Join Date: Nov 2003 Location: Berlin - Charlotte Posts: 1,254 Track: Cicero	i have insurance that protects my stuff in case it is stolen. __________________ Have it your way, DIGILOG! http://www.myspace.com/gregorkonstantin

12-01-07, 11:22 PM	#8
KonstantinG Resident DJ Join Date: Nov 2003 Location: Berlin - Charlotte Posts: 1,254 Track: Cicero	pretty much you could cover your ass for 300,000.00 (liability) + 15,000.00 (personal injury) and pay about 100.00/yr. the rest of the damage the insurance from the other people should pay as it would be smart to have coverage on their part... you know... for accidents that happen. __________________ Have it your way, DIGILOG! http://www.myspace.com/gregorkonstantin


Sponsors	<a href='http://ads.alcyonemusic.com/adclick.php?n=a84d4293' target='_blank'><img src='http://ads.alcyonemusic.com/adview.php?what=zone:5&n=a84d4293' border='0' alt=''></a>

11-30-07, 10:53 PM	#2
Red Fox Nuka-Cola Quantum Join Date: Nov 2007 Location: USA Posts: 1,529 Track: Doctor P - Sweet Shop	lol your school is fagtarded dude, its not REQUIRED

12-02-07, 11:06 AM	#9
djmightymouse76 Beginner DJ Join Date: Apr 2007 Location: Spun Diego Posts: 190 Track: Anything VNV Nation	You are correct.... However that is not entirley accurate. The rate here in cali is about 1000 a year, and you have to put 500 down. I cant pay that right now... However I have renters insurance, but it only covers up to 1000 bucks when the equipment leaves the home. And obviously I cannot use this for general liabilty. So I miss out on a lot of gigs, because they do not want to accept a waiver signed by me. At the resort I work at, they need me to be insured for a million dollars. __________________ Tiesto doesnt evolve with the music... but i do. Industrial music is real.

12-02-07, 06:06 PM	#11
Lady Royalty Club DJ Join Date: Jan 2007 Location: Bay Area Posts: 516 Track: 1-800-SUICIDE	wouldn;t a contract take care of it?

12-03-07, 12:58 AM	#13
Mattredd Beginner DJ Join Date: Jun 2005 Location: Chicago/Bloomington-Normal Posts: 60 Track: n/a	I think you can also buy liability insurance for specific events, not in general? though as a performing dj you would probably save money getting it in general __________________ http://www.myspace.com/effyxx Effyxx Threads

12-03-07, 01:38 AM	#14
xplizt Aaaaand I'm Back Bitches! Join Date: Jan 2007 Location: Bay Area Posts: 3,279 Track: I hate Music!	I would tell the school to suck on my left... then right nut... and at the same time to stroke my dick. Are you sure they aren't talking about a license instead? __________________ Custom Die Cut Stickers - BEST PRICES (DJF discount starting at $0.50/sticker) - www.ProntoCuts.com or PM Pittsey Bay Area's Best Mobile DJ Service and Equipment Rental

12-03-07, 09:32 AM	#15
DJCHALF Beginner DJ Join Date: Sep 2007 Location: NJ Posts: 15 Track: Kiss Kiss	if you put in the contract that they are responsible for any illegal activities or damaged equipment then you dont need insurance. depending on where you r the insurance can be mad expensive. in some areas if a party is broken up the cops can take ur gear. if you put that disclaimer in the contract the customer has to pay you for the equipment that the cops took.