Disk Jockey Public Liability Insurance

If you interact with the public on a daily basis or your business activities are performed in a public area, you’ll need public liability cover. This could mean protecting your business against a claim from a client, a customer or another member of the public in the wrong place at the wrong time.

Public liability is also known as third party or personal liability. This cover protects you against third party claims for injury or damage to property - so, for example, you DJ a Wedding and the speaker falls onto a guest they could claim against you or your business for injury or damage compensation. Our insurance offers different levels of cover to suit a variety of DJs, karaokes and mobile discos. The flexible cover allows you to choose the options that match your needs. You can also choose to extend your liability cover to colleagues and assistants.

What type of DJ we can cover

Who can we cover?

  • Home or studio-based DJs
  • Touring and resident club DJs
  • Karaoke DJs
  • VJs
  • Sound engineers
  • Lighting engineers
  • Production engineers

Our low cost Public, Product and Employers liability insurance product has a number of great benefits that will cover you for;

  • Indemnity to principles and others
  • Single or Multiple Employee, full time, part time and clarical worker coverage
  • Employers liability up to £10m
  • Public and products liability between £1M to £5m
  • Personal Accident
  • Legal Expenses
Novas Insurance Review and Testimonial

I purchased my public and employers liability for my growing business, price was the cheapest I found and I liked the fact I received a price before having to complete the process.

Adam Evans, Bristol
5 star rating
Novas Review and Testimonial

Disk Jockey Public Liability Insurance

What is Public Liability Insurance?

Whilst in many instances your business motor insurance policy will cover damage or injury to third parties whilst using the vehicle, there are many instances where your business will bring you into contact with the public outside the everyday use of the vehicle. For instance, whilst loading or unloading, making a delivery to premises and access by the public to your business premises.

In such circumstances, Public Liability cover will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities. For example

  1. Bodily injury
  2. Damage to material property
  3. Trespass nuisance or obstruction
  4. Personal and advertising injury offences committed

Your Novas Public Liability policy will protect you against the costs of compensation to be paid out as well as the legal expenses incurred during the claims process.

When is public liability useful?

You will be covered under the following cases:

  1. A member of the public suffers injury after tripping over a box at the kerbside whilst you are unloading
  2. You cause damage to an office foyer carpet whilst delivering goods using a pallet truck

We will give you a quote in seconds using our quick quote feature and you can purchase in under 10 minutes:

Start a quote

Employers Liability for Disk Jockey

What is employers liability insurance?

If you are unsure whether you are required to carry Employers’ Liability cover you should seek professional advice. Further information can be found at http://www.hse.gov.uk/pubns/hse40.pdf.

If you are an employer, you are legally obliged to have employers’ liability insurance. You can be fined up to £2,500 for every day you do not have appropriate insurance.

Employers’ liability insurance covers the cost of compensation and any associated legal fees.

Is it required as a contractor?

Some of the larger networks such as DHL, TNT and Parcelforce may require you to have this cover in place before you can commence work. You should seek advice on whether you need this cover with your employer.

How much employers liability cover do I need?

Under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969 you are required to have a minimum indemnity limit of £5million, however at Novas Insurance we understand how important your employees are and we cover you for up to £10million as standard.

We will give you a quote in seconds using our quick quote feature and you can purchase in under 10 minutes:

Start a quote
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