Is DJ PLI for you?
– Why Bother?
Have you been asked to provide a PLI Certificate by a venue? Or do you have it because you can see the importance of being covered?
A recent newspaper article claims that the number of personal injury claims in the UK has now surpassed those made in the USA.
One of the key reasons for this is that the law in the UK allows legal teams to claim all their costs from the losing party. These can be substantial which is the incentive for legal companies to take on even the smallest of injury claims.
This can be illustrated with an actual 'real life' example:
A member of the public cracks two ribs in a fall. He goes to a 'no win, no fee' company who take on the case and write to the business owner. They agree an out of court settlement for £2,000 which is paid directly to the claimant.
The claims company then sent the business owner an invoice for £20,000 to cover the work they had done on their client's behalf. This was disputed in court. The business owner lost the appeal and now has a legal bill of over £30,000 to pay (the original invoice plus the extra costs of the appeal).
In the example above, the business owner stands to lose both her business and her home.
If you believe 'it will never happen to me as a mobile DJ', then it may be time for a rethink. Since 2015 we are aware of eight events where a guest at a function has been injured and a claim has been made against the DJ plus a further five where the venue sustained damage caused by the DJ's equipment.
Whilst we cannot divulge specific details of the individual cases, injury claims have been made as a result of guests tripping over mobile DJ equipment and DJ equipment falling onto guests (including during de-rigging). Other instances include damage to a newly laid wooden floor, a lift during transportation of equipment (two cases) and a plate glass door.
So if you are already covered, great, it's one less thing to worry about. If you don't have PLI, well at least you now know what could happen. After all, it's better to be fully informed and decide not to bother, rather than be completely unaware of what may result in the event of a claim and receive a nasty shock if it does.
If you don't currently have Public Liability Insurance then take a look at AMPdj. All members are covered with £10million PLI and this includes £250,000 claimant legal costs.
Peace of mind can be cheaper than you think!
For more advice on running your mobile DJ business, join AMPdj here.