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Your Q&A Guide to DJ PLI for Mobile Discos

What is PLI?
Public Liability Insurance covers you for accidental injury or damage caused to third parties or property as a result of carrying out your occupation as a mobile disc jockey.

What does my PLI cover?
In addition to accidental injury to third parties or damage to other property whilst executing your duties, it covers you when you hire your audio visual equipment for others to use (dry hire), which is also to the value of £10 million. Legal costs up to £250,000 are also included with the Alliance of Mobile & Party DJs member policy.

Why do I need PLI?
It covers your legal liability to pay compensation in respect of accidental bodily injury or accidental damage to Third Party Persons or Property. Guests or venue staff could make a claim against you if they incur an accidental injury. A venue could make a claim against you if you have caused any damage to their property.

Is it a legal requirement to have Public Liability Insurance?
No - if you don't have PLI you won't be breaking the law however in today's society of 'No Win - No Fee' companies it's now easier than ever for someone to claim off you. If you accidentally injure someone or damage property whilst working as a mobile DJ then having PLI could save you £000s (even millions of pounds) in any claim for damages

Will it help my Mobile Disco business?
Many venues insist on seeing evidence of PLI before allowing you to enter the building and set up. It gives potential clients confidence in you and promotes you as a professional, taking your mobile disco business seriously. It also gives peace of mind, not only to you, but also the venue and your potential clients.

What evidence do I need?
Always carry a copy of your DJ Public Liability Insurance certificate with you when working as you never know when someone may ask for it. In addition, include a PLI Validator button on your website. If a client or venue clicks on the button they can immediately see that you have current PLI.

Does my DJ need to have PLI (Public Liability Insurance)?
For your own peace of mind, it is important that your DJ is covered for all eventualities. If one of your guests should injure themselves on the disco equipment, and the DJ doesn't have cover, they could claim directly off you. Likewise, if your DJ damages any of the fixtures or fittings at your venue, you could be held responsible, as the hirer, if your DJ isn't covered.
Many venues insist on seeing evidence that your DJ has PLI. Check the small print on your venue hire terms and conditions form - chances are it's in there.

Does it matter how much PLI my DJ has?
Some venues insist on a minimum amount, which is increasing year on year. Venues under council control and many listed buildings often require the maximum, which is £10 million cover.

Is the PLI for the mobile disco company or the DJ?
In most cases Public Liability Insurance is for the individual only. Members of The Alliance of Mobile & Party DJs will hold a policy with their own name and full address indicated on it. More than one person from the same mobile disco company may hold membership & PLI with us - in these cases each will be in possession of a certificate bearing their own name and the address of the company.

My venue have told me that I should provide PLI cover for any entertainment I am booking
This is very unusual and may also be expensive - far easier (& cheaper) to book a DJ/Disco who already has the necessary amount of cover to satisfy the requirements of the venue.

What area does my DJ Public Liability Insurance cover?
The cover is worldwide in respect of any business undertaken at or from premises within Great Britain, Northern Ireland, the Channel Islands or the Isle of Man

My current PLI expires at 6.00pm next Friday, if I joined you then how soon after will I receive my PLI Certificate?
By using our fully automated registration system your new Public Liability Insurance certificate will be available for you to download and print off within minutes of joining.

Will each policy would be covered on its own merits and any individual claims would be covered irrespective of other policies for other members?
The Limit of Indemnity provided under the Public Liability cover is provided on an each and every occurrence basis and is unlimited during the policy period. This means that each individual claim is limited to £10,000,000 but there is no limit on the amount of claims that can be made during the period of insurance.

What other benefits does AMPdj offer in addition to PLI?
The additional benefits include client enquiries, discounts on related services, support and lots more. Benefits are being added all the time so for the latest information visit the main AMPdj site