Mobile Disco Insurance: the essentials and where to find reliable, comprehensive providers...
If you operate a mobile disco business; public liability insurance is an essential purchase. After all, music and alcohol don’t often mix without mishap! Insuring your business and your disco equipment will protect you against any legal costs and/or compensation that you’re asked to pay as a result of injury or damage incurred by a member of the public or their property.
Along with PLI, consider protecting your mobile disco against other expensive possibilities. See below.
- In-vehicle cover: With a mobile business, in-vehicle cover is often a necessity and more than worth your peace of mind when you have no choice but to lock your disco equipment in a vehicle. ‘Lock’ being the operative word, as well as ‘hidden’, if you’re to make a successful claim.
- Hire cover: Allowing the show to go on at no cost to your business, should any of your disco equipment suffer damage or fault.
- Theft, accidental damage, and physical loss cover.
- Breakdown cover: Insures your mobile disco against mechanical failure, electrical defect or constructional faults. Familiarise yourself with any compulsory excess charge. There’s often a limit on the eligible age of the equipment so check all small print.
Also think about how far you travel to work – If your operation is fairly local, consider companies that allow you to stipulate particular locations and therefore pay less than nationwide coverage.
One thing to bear in mind; depreciation. If you opt for new-for-old insurance some equipment – particularly laptops – will be replaced subject to depreciation. Other valuable and rare items will need an approved valuation.
Policies are liable to change and are subject to the terms and conditions of the individual insurers.
The content of this website is for information purposes only and must not be taken or used as 'advice' on the type of financial product that is most suited to your needs.
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