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R.V. Nuccio & Associates, Inc. has created a custom insurance program specifically designed to insure the property, crime and general liability exposures of a professional DJ/KJ/VJ. Our DJ/KJ/VJs insurance program is exclusively administered nationally by R.V. Nuccio & Associates Insurance Brokers, Inc. and is underwritten by an A+ rated insurance company.
Are my equipment and media covered?
When you purchase Property Plus it provides insurance coverage on a special Commercial Articles Floater form for any office or DJ/KJ/VJ equipment, CDs, KDs, MP3s and Vinyls, up to the specified value, against all risks of direct physical damage from any external cause, except those which are specifically excluded. The coverage is provided on a replacement cost basis (new for old), and contains a $500 per loss deductible ($500 per loss deductible for loss of CDs, KDs, MP3s and Vinyls due to theft). The policy includes coverage for loss due to fire, windstorm, theft, earthquake, flood, vandalism and other perils which are not excluded. For more details read the Coverage Summary.
What if I have an employee dishonesty problem?
When you purchase Crime you will be covered for many things useful to any DJ/KJ/VJ (with or without employees) or other individuals operating DJ/KJ/VJ owned equipment or setups. It also provides coverage for moneys that may be collected at the venue site. Because dishonest acts of employees (such as theft of all of the DJ/KJ/VJ equipment by an employee) are excluded from the property policy, Crime Plus was created to fill this coverage gap. Crime Plus has several other coverages important to any DJ/KJ/VJ operation, whether or not there are employees.
As a DJ, Why would I need Liability, shouldn't the venue carry this policy?
As a DJ/KJ/VJ you may have single or multiple setups with employees. Liability Insurance covers any DJ/KJ/VJ operating a single or multiple setups and is extended to any employee of the named insured including other employed DJ/KJ/VJs operating a setup on behalf of the named insured DJ/KJ/VJ.
The information provided is only a summary of the coverage. It is not all inclusive, nor does it alter or waive any of the actual policy language. Please refer to your policy for specific coverage language.
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