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:
  • This policy covers the activities of insured disc jockeys including the dry hire of Audio and Visual DJ Equipment and the teaching or tuition of DJ related skills.
Insurer:
    Royal & Sun Alliance (RSA)
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

This policy meets the demands and needs of individuals working as disc jockeys (including the dry hire of Audio and Visual DJ Equipment) requiring insurance against their legal liabilities to pay compensation arising out of injury to third parties and damage to third party property.

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)

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