Why does my DJ need Liability Insurance? That’s a question that you, as the bride, groom or person looking for a DJ need to cover before you begin your search for your DJ. The simple answer is…
DJ Liability Insurance covers a DJ for any damages a member of the public may be awarded as a consequence of injury or damage to them or their belongings caused by the DJ or his/her equipment. It also covers legal costs & other expenses to do with defending any claim.
In short, the liability insurance covers the DJ in case of an accident caused by his equipment. With so much equipment there is a chance that someone will trip and fall and seriously get injured. Nowadays, you don’t know if that person is going to turn around and sue you, the person that invited him to your party. Without the DJ’s liability insurance, there is a chance you will have to pay for those costs.
FHP Entertainment is one of the few DJ companies in Houston that carries liability insurance. Not very many venues in Houston require for the DJ to carry liability insurance. One that does is Ashton Gardens, in North Houston. They will not allow any vendors to go and do business there without liability insurance. If your DJ or any other wedding vendor not insured and does not get a third party certificate for Ashton Gardens, they will not allow them in there. We are fully covered to be able to perform and entertain there.
So, don’t only ask your vendor if they have Insurance, ask to see the insurance certificate and make sure it’s valid and not expired!
Francisco H. Perez
Your Professional, Bilingual DJ in Houston