Property and Liability Insurance Information

The CPDJA strongly encourages all members to carry insurance to protect the functional operations of their work as a DJ.

OVERVIEW

At a minimum, carrying commercial general liability insurance protects your work and business against claims for bodily injury and property damage to third parties arising from your work as an event DJ. There are many unexpected things that can happen at a public or private event. With increasing frequency, event venues all over Canada are requiring any DJ working on their premises to carry liability insurance. Having liability insurance protects your business from potentially going out of business.

In addition, property (equipment) insurance is also very valuable to ensure equipment replacement after theft, destruction or other events that might compromise the integrity of the gear you need for your events (sound, lighting, video equipment, etc.).

The CPDJA insurance programs are not designed to be the cheapest on the market; they are designed to have the most comprehensive coverage for available for Canadian DJs. Even so, the CPDJA negotiates group insurance programs that are generally 25% - 75% cheaper than a policy an individual DJ might be able to acquire on their own.

INSURANCE PROGRAMS + PRICING

Anyone can read about the insurance programs here, but access to purchasing the programs is reserved for our Professional Members only. The two basic types of insurance the CPDJA has available are:

Property and Liability ($250 + tax)

• $2 million commercial general liability insurance
  • $2 million non-owned automobile liability
  • $250,000 tenant legal liability (for rented office or storage space)
  • $25,000 coverage for business interruption (rent equipment or office space due to a loss)
  • $1,000 deductible for liability claim
• $5,000 property coverage (sound, lighting, video equipment, etc.)
  • Additional property coverage available at $2.50 per $100 in property value
  • Property is covered for insured value, no depreciation
  • Property is covered by sewer backup
  • Property is covered at place of business, venues and while in transport
  • Property is covered while inside a locked vehicle (alarm not required)
  • Property is covered while inside a locked trailer (alarm not required)
  • $500 deductible for property claim

Liability only ($150 + tax)

• $2 million commercial general liability insurance
• No property insurance
  
  

SIGNUP INSTRUCTIONS

The Liability Only program is purchased directly through the CPDJA head office and has a universal expiry date of December 31st (regardless of what it was purchased in the year). Renewal notice for this policy will come out 4 - 8 weeks prior to the expiry date.

The Property (Equipment) and Liability program is administered entirely by Erb & Erb Insurance Brokers. The application form and payment is submitted directly to them. This program will have annual renewal date of August 1st. All policies will come up for renewal prior to this date. All insurance purchased within this program, before or after that renewal date, will have their insurance rate prorated (calculated based on the date of application and the next annual renewal date) until they come into line with the annual group policy renewal date.

The sign up processes for each of these two programs are different. Professional Members have access to apply for either program from within the Members Only area of this website.

For more information, please see our Insurance FAQ page.