Insurance For DJs
By Ray Mardo
Insurance is a very important consideration for the mobile DJ entertainer. There are many companies that provide DJ insurance and they should be compared carefully before the DJ chooses an insuance provider. DJing has become much more of a respected job in the last few years, and since mobile DJs have to transport their equipment by vehicle, most car insurance providers have now started providing DJs with liability insurance. Cost of the premium for the DJ insurance should not serve as the chief purchasing decision. Rather, the effectiveness of the policy should outweigh all other factors in the decision making process. You get what you pay for. The saying with insurance is, "It's better to have it and not need it than to need it and not have it." How true. You do not want to be stuck without DJ insurance. As a DJ, you are a subcontractor, and though you will be setting up equipment on outside grounds, you will not be covered under the insurance policy of the catering halls or restaurants you provide services in. You have to protect your neck. You will need your own DJ insurance policy, and now is the time to start pricing one. It is a simple matter of visiting the websites of several insurance carriers and filling out many of their quotes online. You are not commited to purchasing, and you will find the best plans and rates. You should go to the websites of many of the car insurance providers and fill out their DJ insurance forms online. If they're not readily available, email your request. Let the DJ insurance companies fight for your business. By filling out the forms online, you will not even have to leave your house, and you will be protecting your future. The last thing you want is a lawsuit because some drunk party guest tripped near your speaker. Without insurance, you can be help personally responsible. Whether you plan on starting your career as a mobile DJ tomorrow or a year from now, the time to find the right DJ insurance policy is now. It's more important than any of the DJ equipment you will use. Do not proceed any further in your DJ career until you've filled out at least three insurance quotes. It will be the wisest move you make in your DJ career. I guarantee it. Fill those quotes out now. Ray Mardo serves as a consultant and training director for the top DJ entertainment companies on the East Coast. He is the author of the best selling DJ training course "Making Money As A Mobile Entertainer." Ray is semiretired from DJing and is enjoying a career online and as a filmmaker/writer. More info on DJ insurance can be accessed at http://www.raymardo.com/dj-insurance.html
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