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Public liability and personal accident

What is public liability?

Public liability is also known as third party or personal liability. This cover protects you against third party claims for injury or damage to property - so, for example, in the event that a speaker or light you set up falls onto a member of the public and causes injury or damage - that person could claim against you or your company for compensation.

With the introduction of the Public Entertainment Licence Act (PELA), more venues are insisting on public liability cover - local authority venues often require you to have £5 million liability cover.

DJguard include £2 million public liability cover as standard, but you can choose to increase cover to £5 million.

You can also choose to extend your liability cover to colleagues and assistants, etc. They can also choose to take the standard level of cover or upgrade to £5 million.

If you don't have any DJ or disco equipment to insure but still require liability cover, have a look at our Liabilityguard website for our standalone liability cover.

What is personal accident cover?

If you were to personally suffer injury whilst playing or using your equipment, DJguard provides cover up to £10,000 for death and permanent total disablement and £5,000 for loss of limb or eye. This is included as standard with every DJguard policy and every associate extension.

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