If you are venturing into providing a mobile disco service, at some point, you'll likely encounter a venue that requires you to provide proof of Public Liability Insurance before you can set-up disco equipment and perform!

 

Public hire and Hotel venues can set the level of indemnity required, so it's a good idea to research the area of intended service cover to gauge an idea of how much 'PLI' you will need.

 

Although 'PLI' is not a legal requirement, because venues can set their own criteria, it is worth acquiring, else the mobile DJ would lose the opportunity of working the venue and any other that insists on the service holding PLI, and should a claim arise, the DJ wouldn't have to risk re-mortgaging their home or even selling-up to pay damages!

What needs to be understood is that DJ Public Liability Insurance will essentially cover the registered DJ policy holder against a clam for damages. So individuals or groups of people at a function who suffer injury 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 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.

 

You've probably seen the 'No win, no fee' TV adverts which help compensate many thousands of pounds for minor injuries to victims of accidents, so consider the outcome for serious injury or disability as a result of action/s by a DJ. Lets not forget that costs such as medical bills, compensation for trauma and quite possibly loss of earnings can all be claimed for. Of course, death maybe the final chapter for the unfortunate individual who can not physically make a claim, but the victims family would most likely pursue a case, along with any fines that the Health and Safety Executive see fit to seek. There's always a possibility of accident, even for the most careful, mindful DJ.

 

For example:- Lighting can fall from gantry, third parties can trip over cables, electrical equipment or power cables can cause electric shocks, speakers could cause hearing damage, smoke machines could cause breathing difficulties for some, lasers and strobe lighting can trigger forms of epileptic fits, bubble machines can catalyst slippery surfaces, tripods can fall over, rigging can be overbalanced, flight-cases can cause trip hazards, etc.

 

Public Liability Insurance for the Mobile Disco can currently be purchased from JLT Online

 

Written by Dan 'Dukesy', Mobile DJ http://www.djsite.info

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