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What needs to be understood also, is that Public Liability Insurance will essentially cover the policy holder against a clam by the venue for property damage. Thus, individuals or groups of people at a function who suffer injury, including damage to venue property by direct actions or through negligence on the DJs part will be covered in the event of an ‘accident’.
Wedding venues are increasingly requesting that DJs and entertainment services supply hard copy details of PLI cover in advance, so before committing availability to a couples ‘big day’, it would be wise for the mobile DJ to get every requirement in place, or their business reputation will undoubtedly take a nose-dive before it can really take off.
Experienced mobile DJs as well as newbie DJs face the possibility of a claim at any function because everyday risks are not confined just to Hotels or Public Hire venues. If an accident did occur, with liability insurance cover in place, the risk of an expensive court case paid for out of the DJs own pocket would be more than diminished.