Why does my DJ need Liability Insurance?

DJ in Houston with Liability Insurance

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!

Happy Planning!


Francisco H. Perez
Your Professional, Bilingual DJ in Houston

About the author: Simply Frank

Francisco Perez has been a Professional Wedding DJ in the Houston Area Since 1999 which has allowed him to grow into a leader in the community. Now he is sharing his wisdom with informative posts about the industry. Weddings are his passion because they are centered around LOVE and commitment that two people make to each other for the rest of their lives. The name Simply Frank describes his style perfectly, Simple and Frank or Simply Frank

8 comments to “Why does my DJ need Liability Insurance?”

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  1. improvmandan - December 3, 2009 at 10:36 pm Reply

    Hi Frank…nice article. I have been a dj in Los Angeles for over 25 years and have never heard of a SINGLE incident of public injury due to DJ equipment falling or DJ negligence. . .NEVER. Have You? The points of something POSSIBLY happening are always tilted toward the fear factor and seem to be a convenient Insurance company ploy to find another way to collect MONEY they probably will NEVER have to pay off. Now if someone slips on a dance floor due to a faulty crack of spilled drink than that’s a different story where venues themselves become liable with good cause.
    I now live in Maui and the wedding industry is fighting in court some bad over regulation from politicians lining their own pockets and the result is higher costs for everyone…the way it is I suppose. Safety first but lets play fair and use common sense. Have YOU ever had a client come close to being damaged by your equipment?

  2. Simply Frank - December 9, 2009 at 11:17 am Reply

    No, knock on wood, I’ve never heard of anything ever happening to anyone because of the equipment, nor have I ever had a client injured by my equipment. The closest that I came to something like that, was one of my helpers putting up a light on top of a speaker, not securing it, and a client bumping into that speaker and the light falling to the floor… boy was I relieved that nothing happened… Since then, no lights on top of speakers no matter how secured they are…

    You never know, though…. Thanks for the comment!

  3. Sparky the Wonder DJ - August 4, 2011 at 8:39 pm Reply

    This is usually an angle used by inferior DJ companies to scare the public as mentioned above. They are thinking..hmmm we really don’t know how to run a reception or play a good variety of music, so let’s try this angle. As mentioned in the article the venue has the liability covered in most cases (everywhere that I have played). It’s just like the venue is responsible for paying ASCAP fees, not the DJ.

  4. henry - December 6, 2011 at 7:42 pm Reply

    hi there im my name is henry i have a questions where and how to get insurance for djmobile what are the requirements? pls reply back

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  6. Karl - April 18, 2012 at 10:28 am Reply

    I also have not had any incidents with equipment in my 25 years harming guests (Other than back in the day basement parties).

    However in the past couple of yearsI have been asked about insurance from different venues, like museums, Aquariums, historic mansions and places that have valuables that they are concerned with my equipment posssibly breaking during set-up/breakdown or during the course of the event. So I don’t think it’s a scare tactic.

  7. Karl - April 18, 2012 at 10:30 am Reply

    Places like I mentioned also require outside insurance from other vendors like caterers.

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