DJ guard the best PLI?

[Clifford DJ Services]

Having been given some really good advice on PA, I don't want to be doing a school boy error and getting the wrong PLI, after a day's research DJ guard seems the best, am I right? Cheers

[Solitaire Events Ltd]

Having been given some really good advice on PA, I don't want to be doing a school boy error and getting the wrong PLI, after a day's research DJ guard seems the best, am I right? Cheers

Probably not.

Have a look at the NADJ and there are others which offer just PLI for £49 I believe.

[chrisj]

AMPdj is £49 and I get disco enquiries as well having made 2 bookings through them the fee is covered. But yes there are others as well.

[Clifford DJ Services]

Cool ill take a look thanks

[Clifford DJ Services]

Is the 49 quid one, a month?

[yourdj]

Only one that does insurance aswell as far as i know.

But only does 5mill whereas the rest do 10 mill.

[Charlie Brown]

http://www.ampdj.co.uk/

[Shaun]

I've used DJ Guard for many years. No problems so far.

[Clifford DJ Services]

cool, i think the quote was around £155 inc insurance for £2500s worth of gear, and 5 mil.

[Jason]

djpli.com - the cheapest. Currently £5 until August:
http://djpli.com/

This has £10M with £10M dry hire. You get a free directory listing and web-hosting.

(all prices per Annum)
DJPLI: £29 (PLI, Dry Hire)
AmpDJ: £49 (PLI, Dry Hire)
SEDA: £76 (Full membership with PLI, Dry Hire and Employee cover)
NADJ: £75 (Full membership with PLI, Dry Hire and Employee cover)

All the above have various benefits, DJPLI has the least at the moment, but is by far the cheapest.

I'm also a member of SEDA, but this will remain as their "standard" member, so no PLI required from them.

Equipment cover is separate with all these. However, you can get a quote from Hencilla (the broker used by the above organisations), and I'm currently in the process of doing this.

DJGuard provides equipment cover, but its hard to put a price to this as it will vary according to postcode and the value of the gear.
I also think DJ Guard assumes the gear is kept out of sight, and possibly is not insured when on site. The Hencilla cover allows you to set the level of risk.

[Excalibur]

AMPdj is £49 and I get disco enquiries as well having made 2 bookings through them the fee is covered. But yes there are others as well.
That gets my vote. n


Is the 49 quid one, a month?

Heaven forfend, no dear boy, PER YEAR!

More reading here.
http://www.forum.mobilediscodirectory.co.uk/showthread.php?t=32826&highlight=PLI

[yourdj]

(all prices per Annum)
DJPLI: £29 (PLI, Dry Hire)
AmpDJ: £49 (PLI, Dry Hire)
SEDA: £76 (Full membership with PLI, Dry Hire and Employee cover)
NADJ: £75 (Full membership with PLI, Dry Hire and Employee cover)


Whats the dry hire.

I assume if your stuff gets nicked they will pay for you to rent some gear but not replace it. :confused:

I am definitely claiming for some equipment that has just broken this year on my policy.

[Jason]

Hi Toby,
no - Dry Hire is basically PLI if you dry hire your gear.

So (my understanding, so take with a pinch of salt...);
Dry hire speakers+stands to another DJ/end user.
Speakers fall on guest/set fire to venue etc.
Venue/Guest files a claim on DJ/end user
DJ/End user files a claim on you.

Dry-Hire cover should kick in and settle/defend you.


The other thing that SEDA/NADJ have is employee cover. If you ask anyone to hold a door open/help carry a bag/speaker etc and they get hurt (bad back, splinter lol), then they could claim against you.
I think the term used at a previous SEDA meet-up was a "master/servant" relationship - you ask, they do.
This could be anyone, so a waiter, or your mate who you're paying.
The employee cover should kick in and defend/settle.

Its probably better worded on their websites... lol


I don't know if there is any policy (on the above policies) to claim for broken equipment. This would be product cover, and would probably be very expensive.
If PC World want to sting me for £30 for a £100 printer, I shudder to think what the premium would be to insure my DJ gear would be.

Jas

[Dynamic Entertainment]

I was with DJ Guard fro my Equipment cover and PLi...im sacking them off in favour of SEDA's benefits...and getting my equipment covered through a seperate broker.

[Jason]

This sounds worthy of another debate - whilst PLI is widely available, how many guys have equipment cover?

Even a basic set-up can be valued at £5K+ to replace (if you add CD's)... Not many DJ's will have 3rd party only insurance on their van/car?

[Davy]

Your confusing equipment insurance and public liability insurance.....


Equipment insurance covers you if your gear is damaged or stolen etc , Djgaurd also include PLI so think of this as fully comp car insurance

public liability insurance is basically if someone tries to sue you . Think of this as third party only ( ie you dont get a pay out for your own gear just what you damage of someone elses )

DjGaurd seems to have a clause for everything so i avoided it as i suspect in the event of an equipment claim it would be unlikely to get a pay out.

I have my PLI through AMPdj and it covers dry hire - So uplighting etc should all be covered if it randomly bursts into flames when i'm not there as its dry hire.

[Twinspin]

Ive just renewed mine while September 2012 with NADJ ive had my PLI with them now for 3 years and its a good deal.

[Jason]

Your confusing equipment insurance and public liability insurance.....


Hi Davy - I am not confusing the two, I think Toby was?

Its best to quote if you're trying to clarify the difference.

[sandysounds]

Hi Toby,

The other thing that SEDA/NADJ have is employee cover. If you ask anyone to hold a door open/help carry a bag/speaker etc and they get hurt (bad back, splinter lol), then they could claim against you.
I think the term used at a previous SEDA meet-up was a "master/servant" relationship - you ask, they do.
This could be anyone, so a waiter, or your mate who you're paying.
The employee cover should kick in and defend/settle.

Jas

Might be worth reading the small print on this. I understood employers liability to cover only people who you employed. PLI covers third parties such as guests and staff of venue. If you read the HMRC blurb on employees, an employer has to be registered as such and have a paper trail for said employee, irrelevent of whether they are temporary, paid or unpaid. Does anyone know for certain that the insurance company will pay out if this isn't in place?

[Jason]

Hi Sandy,
please don't quote me as I only paraphrased (badly) what was said at a SEDA meet-up, and that was late 2010 (and I didn't take notes! lol).
They did mention this "master/servant" phrase and take time to explain it, but TBH you are 100% and it needs looking into.
At the time, is was suggested that a venue employee/your partner/your mate/roadie would be classed, regardless of being paid.
I guess this is a question for SEDA/NADJ - its a nice touch, but not really sure if anyone really required it (until their roadie does thier back in... :o )

Jason

[Solitaire Events Ltd]

Might be worth reading the small print on this. I understood employers liability to cover only people who you employed. PLI covers third parties such as guests and staff of venue. If you read the HMRC blurb on employees, an employer has to be registered as such and have a paper trail for said employee, irrelevent of whether they are temporary, paid or unpaid. Does anyone know for certain that the insurance company will pay out if this isn't in place?

And this post has nothing to do with the fact that AMP don't do ELI?

I have ELI and it covers subcontractors or anyone acting on behalf on the company.

[soundtracker]

And this post has nothing to do with the fact that AMP don't do ELI?

I have ELI and it covers subcontractors or anyone acting on behalf on the company.

and such a shame as I was hoping that the recent pro-DJ event with everyone co-operating would have put to bed the petty sniping and back-biting.

[Jason]

I don't think Sandy was trying to do that, this is a new and confusing area. More details are needed.

One thing that is apparent from looking at NADJ and SEDA, is the lack of information regarding their policies. I know the SEDA website has just been revamped, and so I hope they can both put their policy details online.
For instance, NADJ and DJPLI use the same underwriter, whereas AmpDJ use Royal Sun Alliance. This may matter for some people, and having the policy details for viewing would help even the arena.

Ultimately, if a DJ has PLI from anywhere, its a good thing. Add-ons such as ELI and Equipment cover are nice but may not really be required. I did wonder how many DJ's only have PLI and no Equipment theft cover, and if their ~£5000 Car/Van is insured 3rd party only?


There are so many variables at play here:
price
benefits
policy specifics
and loyalty to the organisation.

For can insurance, its often down the convince of moving to new business and also the price, but most of us are not loyal to their insurer and also don't normally get additional benefits (car rental etc is normally part of the policy and not a benefit of doing business)

[sandysounds]

And this post has nothing to do with the fact that AMP don't do ELI?

I have ELI and it covers subcontractors or anyone acting on behalf on the company.

The reason we don't do it is because we did massive research months ago. All I did was share what I found out and ask a question.

[Glenski]

I use DJ Guard for both my PLI and euipment insurance, but i will be looking to up my PLI from £2 million to £5 million or even £10 million through SEDA.

I will keep my euipment insurance though :)

Thank you

Glenn

[Solitaire Events Ltd]

The reason we don't do it is because we did massive research months ago. All I did was share what I found out and ask a question.

Right...so you are saying that SEDA and NADJ's policy are not worth it in effect?

[DAVESOUNDS SERVICES]

Thanks Jason!
ive just renewed mine now with DJ Public Liability Insurance

i used to pay 50 pounds now down to 34.99 for 14 months PLI

Years ago i was with
Liabilitygard then moved to Amp now thought id try DJ Public Liability Insurance



cheers

[sandysounds]

Right...so you are saying that SEDA and NADJ's policy are not worth it in effect?

No I didn't. I cannot comment on their policies as I haven't seen them. All I did was relay what I had found out with extensive reading.... it wasn't aimed at anyone or any organisation.

[Shaun]

I think Sandy raised a valid question. There's obviously some confusion (for me at least anyway) after Jason's initial post regarding employers liability insurance, and Sandy's subsequent reply. It'd be interesting to find out the NADJ & SEDA's opinion on the matter.

[DazzyD]

Only one that does insurance aswell as far as i know.

But only does 5mill whereas the rest do 10 mill.

I've got my insurance through E&L. I get PLI combined with Personal Accident insurance and full equipment insurance for just over £7 a month.

I used to be with DJGuard and the first year's cover was fairly reasonable. However, when the time came to renew the premiums had gone up quite dramatically so I didn't renew and started looking around. BandCare from E&L (I know it sounds like it's for bands but it covers mobile DJs as well!) was the product I decided on and I've stuck with it since.