AMERICAN DISC JOCKEY ASSOCIATION
DJ/MOBILE ENTERTAINER INSURANCE 101

R.V. Nuccio & Associates, Inc. and The American Disc Jockey Association have created a very special insurance program specifically designed to insure the property, crime and general liability exposures of the office or home based Disc Jockey operation. ADJA membership is not required. This special American Disc Jockey Association Insurance Program is exclusively administered nationally by R.V. Nuccio & Associates Insurance Brokers, Inc. and is underwritten by Fireman’s Fund.

Are my equipment and CD's covered?
When you enroll in Property Plus it provides insurance coverage on a special Commercial Articles Floater form for any office or DJ equipment, tapes, CD’s, KD’s, and LP’s listed on the application, 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 $250 per loss deductible ($500 per loss deductible for loss of tapes, CD’s, KD’s and LP’s due to theft). The policy includes coverage for loss due to fire, windstorm, theft, earthquake, flood, vandalism and other perils which are not excluded. Rental Reimbursement coverage is also provided. For more details read the Coverage Summary.

What if I have an employee dishonesty problem?
When you enroll in Crime Plus you will be covered for many things useful to any DJ (with or without employees) or other individuals operating DJ 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 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 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 you may have single or multiple setups with employees. Liability Insurance covers any DJ operating a single or multiple setups and is extended to any employee of the named insured including other employed DJ’s operating a setup on behalf of the named insured DJ.

Please note that all coverage is subject to specific conditions, exclusions, limits, deductibles and restrictions.