(Closed) dj uninsured

posted 10 years ago in Beehive
Post # 3
Member
385 posts
Helper bee
  • Wedding: April 2008

How do you feel about him? Have you heard any good/bad things? Does he provide references? If you have an icky vibe, then I say it’s a no-go.

I personally chose a licensed DJ because we just liked the guy better… and honestly if the guy we chose was uninsured, we probably would have booked him anyway because he’s just cool.

Post # 4
Member
212 posts
Helper bee

the ceremony musician we wanted to hire was uninsured and we were advised strongly by our venue as well as several friends to not use them.  you never know what can happen at a wedding, accident wise, esp since DJs have wires, speakers, etc all over the place.

Post # 5
Member
104 posts
Blushing bee
  • Wedding: March 2009

Would Wed Safe insurance perhaps cover the DJ?? you might want to look into that

Post # 7
Member
212 posts
Helper bee

CBO – i’m confused.  what does that mean?  so even if the vendors carry insurance, the bride/groom is not covered if something happens at the wedding?  then what’s the point of making them have insurance?

Post # 9
Member
2292 posts
Buzzing bee
  • Wedding: July 2008

The question of who may be liable for accidents or damages has very little relation to who is insured… for instance, even though your house painters may be insured, if they fall off the scaffolding and are injured while painting the second floor of your house you can also be liable for damages (which should be covered under your home-owners policy, same as if someone slipped on your front walkway and broke their leg).  The insurance company will go after anyone and everyone they can in order to avoid paying out themselves.  I had a renter have a small (accidental) fire in their kitchen a few years ago and reported it to my insurance company, as that was covered under my policy on the structure.  My insurance company turned around and sued the renters for damages – luckily their renters’ insurance paid.  If both you and the vendor are insured, you have a reasonable likelihood of at least splitting damages – if the vendor is not insured, you will probably get stuck with the whole bill.  Remember that when the neighbor kid offers to prune your trees for cheap too…

Post # 10
Member
385 posts
Helper bee
  • Wedding: April 2008

Insurance typically covers their part in the festivities…

my photog explained it like this— if her camera screwed up during the ceremony and she couldn’t shoot the reception, then her insurance covers getting the important parties back to the location, the setup and re-rental costs of the issue & then restaging everything… basically a new wedding. Same goes if she is in an insane car accident or comes down with some random illness and left unable to make it to take the pics… So if the DJ has insurance and no backups… then his insurance is supposed to make sure his back up is there for the reception or (worst case scenario) you are reimbursed OR they re-do the reception… but at that rate, I would have just brought in a darn boombox & an Ipod dock or something LOL!

About my photog though, I know equipment isssues are worst case scenario, she always has 2 backups and if something happened to those she would high tail it to target & buy a Canon rebel or EOS to get at least some decent shots, but this is the example she gave me.

Post # 12
Member
67 posts
Worker bee
  • Wedding: June 2008

As an insurance professional, let me clear a few things up.  Suzanno has it correct, but babagrlshell’s photographer has given her bad information. 

Why your DJ needs insurance: 

Imagine the following scenerio.  When the DJ sets up his equipment, he runs an extention cord along the side of the dance floor, but doesn’t tape it down.  While dancing, one of your guests trips over the cord and falls, breaking his arm.  Your guest sues the DJ, the venue, and you.  Now, clearly, the DJ is responsible for having failed to tape down the extention cord.  But the venue will also get sued because it happened on their property (even though they had nothing to do with taping down the cord).   If the DJ doesn’t have insurance (or other personal assets), then the venue will get stuck paying for the injured guest’s damages because the DJ is unable to pay.  It’s not fair, but that’s the way it is.  Most venues know this and, therefore, often insist that anyone doing business at their location have insurance.  It’s also why they insist *you* have insurance.

Here’s another example of how the DJ’s insurance could come into play.  Let’s say that nobody tripped over the taped-down cord, but when the DJ goes to pull the tape up, it damages the finish on the floor and now the venue wants the floors fixed.  If the DJ has insurance, then the venue can make a claim against him and get the floor fixed.  But if the DJ doesn’t have insurance, then it’s entirely possible that he won’t be able to afford the $10,000 it costs to refinish the floors and now the venue is just out the money.  This is another reason the venue may insist on insurance. 

As for babagrlshell’s photographer.  That scenerio is not covered under any kind of insurance policy.  Liability policies do not cover anything remotely akin to a "failure to perform."  I doubt she was lying to you–most people don’t have the faintest idea what their insurance policies cover.  (Don’t be confused–your own wedding insurance policy may reimburse you for the cost to get a replacement photographer, but your photographer’s policy will not.)

Post # 14
Member
67 posts
Worker bee
  • Wedding: June 2008

Yes and no.  Yes: You and the venue would be covered and wouldn’t haven’t to worry about personal exposure and the DJ would have to shell out of his own pocket.  No: Chances are, the DJ doesn’t have an extra $25,000 lying around (and that would be a small injury claim) to pay out of his own pocket.  In that scenerio, you and the venue would likely (for a variety of reasons) be left holding the bag.

Post # 16
Member
2 posts
Wannabee
  • Wedding: May 2002

Great that you found an insured DJ. As a DJ myself, I just recently got my own insurance for many reaasons. Most of them are explained above by  ljlkclark. Here in Houston, there are very few venues that require the DJ to have insurance. But like you said, it would add that peace of mind in case anything happened the day of the reception.

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