Your Q&A Guide to DJ PLI for Mobile Discos
What is DJ PLI?
DJ 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 DJ 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 DJ PLI (Public Liability Insurance)?
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 DJ PLI?
No - if you don't have DJ 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 £1,000s (even millions of pounds) in any claim for damages.
It's not just the injury compensation either. Legal fees can be much much more than the original claim.
Will it help my Mobile Disco business?
Increasingly venues now insist on seeing evidence of your DJ 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.
It won't help you to be a better DJ but having DJ PLI (DJ Public Liability Insurance) may also help you to gain access to venues you might not otherwise be permitted to perform in without it, so in this regard it will help your DJ business.
What evidence do I need?
Always carry a copy of your DJ PLI Public Liability Insurance certificate with you when working as you never know when someone may ask for it. In addition, include a DJ PLI Validator button on your website. If a client or venue clicks on the button they can immediately see that you have current DJ PLI. Venues and clients can also check any certificate from www.ampdj.co.uk/check. You can also login to your account from any internet terminal or mobile phone (iPhone & Android) and access your DJ PLI Certificate.
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, many listed buildings, large hotels and country houses often require the maximum, which is £10 million insurance 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 PLI cover to satisfy the requirements of the venue. Make an enquiry at www.mobiledjdisco.co.uk as all our DJs have the necessary PLI cover.
What area does my DJ PLI 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 DJ 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.
Is DJ PLI Cheap?
We provide £10m DJ PLI cover, underwritten by Royal & Sun Alliance as one of the many benefits of AMPdj membership. As the full membership is only £49 for a whole year then 'Yes', DJ PLI is cheap!
I need DJ Public Liability Insurance for One Day
You may find that this is more expensive than joining us for one year!! If you do more than one disco a year then it's also worth having our annual membership and PLI. Any short term insurance is usually more expensive, besides there's an equal chance of a claim at all events, not just those where you are asked for evidence of your DJ PLI cover.
Will each policy be covered on its own merits and any individual claims 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 DJ PLI?
The additional benefits include client enquiries, discounts on related services, DJ business advice, support and lots more. Benefits are being added all the time so for the latest information visit the main AMPdj site.
What is the age limit for the DJ PLI policy?
There isn't one! We have teenagers as members and DJs into their 60s
Is AMPdj only for mobile DJs?
Whilst our membership is primarily made up of mobile DJs our PLI covers "the activities of insured Disc jockey's including the dry hire of audio visual DJ equipment and accessories including lighting and dance floors and tuition of DJ related skills." so also covers Club DJs, Radio DJs, including both professional full time and part-time DJs, plus teaching DJs too.
If you are a musician, singer, soloist, tribute act, part of a duo, trio or in a band then go to AMPband where membership includes free £10m PLI
The information on this page is for general guidance only - E&OE. You should consult the full DJ Public Liability Insurance policy documents (DJ PLI policy) to ensure that they meet your specific requirements. Copies of these are available from links on the main AMPdj site.