DJ PLI Cover & Sums Insured

General Information

Insured:

Any Individual Member of The Alliance of Mobile & Party DJs who has paid the appropriate membership subscription

Business Description:

The Insured's occupation as a Disc Jockey including the dry hire of Audio Visual Equipment

Insurer:

Royal & Sun Alliance

Policy Type:

Public Liability Insurance

Conditions / Subjectives:

Standard Royal & Sun Alliance Policy Terms & Conditions
Fire & Pyrotechnic Exclusion
Asbestos Exclusion Endorsement
E-Risks Exclusion Endorsement

Public & Product Liability

Interest:

Public Liability: The Insured's legal liability to pay compensation in respect of accidental bodily injury or accidental damage the Third Party Property

Products Liability: The Insured's legal liability to pay compensation in respect of accidental bodily injury or accidental damage to Third party Property arising out of any product supplied

Limit of Indemnity:

Public Liability £10,000,000
Product Liability £10,000,000

Limit Basis:

Public Liability: Any one claim or series of claims arising out of a single Event and unlimited during the period of insurance

Product Liability: Any one claim or series of claims arising out of a single Event and in the aggregate during the period of insurance

Territorial Limits:

Worldwide in respect of any business undertaken at or from premises within Great Britain, Northern Ireland, the Channel Islands or the Isle of Man

Excess:

£500 in respect of each and every claim arising from damage to property arising from work away from the Insured's premises.

Cover Extensions:

Cross Liabilities
Compensation for Court Attendance
Contingent Motor Liability
Overseas Personal Liability
Data Protection Act 1998

Principal Exclusions:

Advice, Design or Specification provided for a fee
Asbestos or Fear of Asbestos
Terrorism, War, Civil War, Rebellion, Revolution or Insurrection
Pollution (other than Sudden & Accidental)
Damage to Property in the Care, Custody & Control of the Insured
Injury to Employees
Work on any Offshore Installation
Fines and Penalties
Aggravated, Exemplary or Punitive Damages awarded by any court outside the UK
Cost of remedying, recalling, removing, alteration or replacing of any defective product

Legal Defence Costs

Interest:

Legal costs incurred in defending proceedings arising under Health & Safety or Consumer Protection Legislation

Limit of Indemnity:

Legal Defence Costs: £250,000

Limit Basis:

Any one claim and in the aggregate during the period of insurance

Territorial Limits:

Worldwide in respect of any Business undertaken at or from premises within Great Britain, Northern ireland, the Channel Islands or the Isle of Man

Excess:

Nil

Principal Exclusions:

Fines or penalties of any kind
Compensation ordered by a court of criminal jurisdiction
Costs incurred due to an injury of any person or damage to any property
Deliberate acts or Omissions of the Insured

The policy summary can be read here and the Full Policy Document here (PDF)