Hire insurance

[Ajaysdisco]

Hopefully this thread is in the right place, otherwise please move it.

I have been thinking offering a small PA system for hire and I was wondering what insurance would be required?
Would my PLI cover this?

Many thanks

[Tom]

I think if your PLI says it covers hire work then I think it would be ok, but im not 100%

I have just got new PLI and it says it covers hire work but need to check just to make sure.

[Paul James Promotions]

In addition to this, make sure you have insurance against theft of equipment. Ask the client to sign a delivery note before leaving, as your insurance company probably won't pay out if the venue is left unlocked / unattended.

J

[TonyB]

It depends on the policy wording. Some do and some don't. If you are not sure then it would be best to contact the broker/insurer that issued the policy.

Make sure you get the reply in writing though.

[Solitaire Events Ltd]

It is fairly standard practise to include in your contract that the hirer has their own insurance.

[theoloyla]

The DJ Associates PLI definately covers dry hire.

[Tom]

The DJ Associates PLI definately covers dry hire.

Well that's me covered then. :).

[Solitaire Events Ltd]

Well that's me covered then. :).

I would check very carefully your policy about hiring gear etc. Don't rely on what someone said on a forum for this sort of thing.

There are different sorts of insurance when it comes to this sort of thing.

The client generally needs insurance when hiring in case of theft and damage. That is nothing to do with PLI.

[Ajaysdisco]

The client generally needs insurance when hiring in case of theft and damage.

Ok, thanks for the advice.
My PLI is due for renewal and included with that is my equipment insurance.
I will ask them if I am covered for hiring.

Would I be covered if I stated in the terms and conditions that the hirer is responsible for obtaining the relevant insurance?
E.g. what if a light fell on someone?!

[Solitaire Events Ltd]

Would I be covered if I stated in the terms and conditions that the hirer is responsible for obtaining the relevant insurance?


That is what a lot of hire companies do.

[Dynamic Entertainment]

In addition to this, make sure you have insurance against theft of equipment. Ask the client to sign a delivery note before leaving, as your insurance company probably won't pay out if the venue is left unlocked / unattended.

J

I pass work back and forward to a friend who does alot of hire and he holds a passport/driving licence as a bit of security. I think he also gets the client to check the equipment over and sign a form saying its in good knick, then checks it over with the client on return. I think he also lays out the replacement cost of whats being hired from the outset.

Sorry to go a bit off topic but i thought it was worth mentionig because heard of other hire companies loosing whole soundsystems and not being able to trace the client....

[Ajaysdisco]

Steven, thanks for the advice; I think that’s what I will do. :HappySteve:

All I have to do now is work out costing, terms and conditions, etc. :daft:

[Dynamic Entertainment]

No problem. Ill try and think on to get a copy of his T&C's when i next see him (not sure when mind). Theres no point re-inventing the wheel, so to speak, if you can help it.

[TonyB]

You cannot pass your legal liability for your acts of negligence to someone else by a disclaimer. If a light falls on someone when you are not there, if it was because of your negligence, then you will be liable irrespective of what you get the client to sign.

You can make them responsible for any loss or damage to the equipment whilst in their care custody or control.

[Ajaysdisco]

You cannot pass your legal liability for your acts of negligence to someone else by a disclaimer. If a light falls on someone when you are not there, if it was because of your negligence, then you will be liable irrespective of what you get the client to sign.

You can make them responsible for any loss or damage to the equipment whilst in their care custody or control.

Yea that’s fine and that’s what I am planning to do.


I asked my current PLI company about PLI insurance for hire and got the following reply:
"If you are hiring equipment out and earning money from it, we do not cover this at all on our policy."


Does anyone have suggestions on what I can do?

[Danno13]

Hire them the equipment, but leave them to set it up,

[Ajaysdisco]

Hire them the equipment, but leave them to set it up,

I see where you’re coming from but I can’t see average Joe setting it up.
I will have to get some kit that doesn’t get damaged when it’s blown up!! :p