DJ Public Liability Insurance Explained
Public liability insurance (PLI) is a legal requirement for DJs.
However, it is important to understand that public liability insurance isn't just an issue of legal compliance for your DJ. Failure to book a DJ with PLI could have direct and unpleasant consequences for yourself.
Many venues require DJs to carry certification of their public liability insurance with them. If they do not have the required insurance cover they could be refused access to the premises, with the inevitable consequences for your event. Different venues have different requirements for PLI cover. Usually the minimum requirement is £2 million, but a number of larger venues are now requesting £5 million or £10 million. Always check that the level of PLI cover your DJ has is sufficient for the requirements of your venue. Also ensure that certification will either be taken by the DJ to the event, or sent to the venue in advance if the venue require this.
Another extremely important issue to be aware of is that, if your DJ does not carry public liability insurance and they cause any damage to property or people whilst attending your event, YOU could end up being liable for the costs. If an accident happens and a subsequent claim is made then the success of that claim will partly depend on whether or not YOU had hired an adequately insured DJ.
In summary, public liability insurance is an important issue and not something to ignore. Always check your venue's requirements and check that your DJ has sufficient cover and will carry certification with them.
Solar Entertainments carry certification of our public liability insurance at all times.