Insurance for DJs

• Event cancellation insurance: Pays for unforeseen cancellation of events. Also covers your legal liability if clients sue you for their losses suffered due to events being called off.

• Property, contents, and equipment insurance: Coverage for risks like fire, water leaks, burglary, etc. Essentially protects your office, contents (e.g. folders), and equipment (e.g. computers).

  For instance, you are doing an outdoor wedding shoot. You trip and fall, smashing your $3,000 camera lens. This insurance will pay for a replacement lens.

• Work injury insurance: Coverage for employee injuries/sickness, including Covid-19 infections.

  Because wedding photographers will have close contact with lots of people, it’s crucial to get Work Injury Insurance to protect against Covid-19 infections. It’s also easy to get injured while doing outdoor shoots.

• Public liability insurance: Coverage if you cause injuries or property damage to third-parties while doing your shoots.

  For instance, you’re doing a wedding shoot at a hotel. You accidentally bump into someone while taking pictures (which photographer hasn’t?), but the person lost balance and fell, suffering a fracture on his back. The injured person sues you to pay his medical expenses, and for personal injury damages. This insurance will pay for your legal fees, and for damages awarded by the court.

Get started on a quote, or drop us a message to start crafting your own custom policy.