Karaoke Forums

How are you KJ's insuring your equipment? I tried adding my $4,000 worth of equipment to my homeowners and found that I'm covered 100% at my house but if the equipment is damaged/lost/stolen elsewhere am only covered 10%. Is the solution a separate business policy and if so any recommendations?

Absolutely get a business policy. Talk to your current agent, many of them will offer discounts if you keep multiple policies with them.

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Dave's not here.

Liberty Mutual doesn't do business policies unfortunately. My agent gave me the number of a local broker but I thought I'd get some recommendations from those of you with experience!

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LIKE Lonman on Facebook - Lonman Productions Karaoke & my main site via my profile!

Thanks a lot....I will check it out

What you need is called an Inland Marine policy. That's what will cover you and your equipment whether at home, in transit or on a gig. There are very few companies that actually offer it so you'll have to look around. I go through WeDJ to get mine. I requires a membership with WeDJ to qualify (about $50 annually) but the insurance is discounted and also comes with a $1 Million liability umbrella.

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DJ Tony
Let It Rip Karaoke

In the UK I use DJguard. I get 2 Million GB Pounds Public liability,plus my equipment insured for less than 20 GB pounds a month

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