How is the premium calculated?
The premiums are calculated differently for different types of companies. For a DJ the liability coverage is $175 for the first system and $60 for each additional system, e.g., 3 systems; $175 +$60 + $60 = $295 total annual premium. If you want coverage on your equipment you must submit a list of the equipment to be covered with replacement cost for each item shown. The premium is 1% of the replacement cost (minimum $150 premium), e.g., total equipment value of $20,000, 1% = $200 in annual premium. For example, 3 systems valued at $20,000 would have an annual premium of $495 for both liability and equipment coverage.

What is this $20 fee added to my total payment due?
The WEDJ Insurance Program has become part of the Association of Professional Entertainers (“APE”), a purchasing group operating pursuant to the Federal Liability Risk Retention Act. There is a $20 annual membership fee for APE. You will automatically become a member of APE group once your WEDJ insurance application has been approved. The membership fee will be invoiced at the same time as your premium.

Can I insure my office furniture and equipment?
Yes. On the equipment list show a category “Office equipment/furniture” and show the total replacement cost.

Can I cover the liability on my office and business operations?
Yes. There is no additional charge to insure your office for liability. This coverage will satisfy your lease requirement that you have liability insurance on your leased premises.

What happens if I insure for 1 system and I have 2 or more?
In the event of a claim, the insurance company will have the right to choose the system they have insured. It is unlikely they would choose the system with a claim. The number of systems you own is the rating process used to offer coverage.

What will happen if I have a property claim and the items stolen or damaged are not on the list?
You will not be covered for any loss for items that are not on the equipment list. It is important that you keep your list current and to send a new list when you add or remove items.

What does liability cover?
Liability is coverage that insures you against damage you do to another person or another person’s property. The WEDJ.com program is for $1,000,000 per occurrence and $2,000,000 aggregate (this means the total that can be paid in any one policy year). If higher limits are desired, please call the program manager.

Does a copy of my insurance participation binder of insurance also show proof of insurance to venues or clients?
Yes. In many cases the copy of the participation binder of insurance will satisfy the venue or client. If they need a third party certificate of insurance with their name on it, You can click on GET CERTIFICATES on our welcome page and complete the certificate. If the venue needs special wording, you can request the certificate in writing by submitting the certificate request form found under FORMS on our welcome page. Our fax number and email address are listed on the form.

What are certificates of insurance or third party certificates?
Venues may require you to have liability insurance before they will let you on their premises. A certificate is proof of the coverage.

How do I get third party certificates when I need one?
You can go click on GET CERTIFICATES and complete the certificate yourself. This can be accessed 24 hours a day 7 days a week. If the venue needs special wording, you can request the certificate in writing by submitting the certificate request form found under FORMS on our welcome page. Our fax number and email address are listed on the form. These will be completed as soon as possible during normal business hours.

Am I insuring a venue or client with a third party certificate?
No . There is some confusion regarding what third party certificate of insurance does. It DOES NOT provide insurance to the venue. All a third party certificate of insurance does is inform the venue that you have liability insurance in place on the date you are on their premises. What the certificate covers is as follows: If YOU do something that causes damage to another person or another person’s property and THEY get sued for what YOU have done, then your liability insurance will defend them (which usually means the venue is removed from the suit). Your liability insurance in no way is covering them for actions or damage for which THEY are responsible. Conversely, if you are sued for something the venue has done, their liability insurance will cover you (this will happen with or without a certificate of insurance).

Should I be asking my venue for certificates naming me as additional insured?
No. The purpose of the certificate is to show that insurance is in place on the date of the event. You really don’t need that proof from a venue.

How fast can I obtain coverage or get a certificate of insurance?
It usually takes one business day to process applications and certificate requests. If you have an emergency, call the program manager and let us know.

What are the exclusions to the policy?
Please refer to the Policy Forms section for terms and conditions.

Do I have to have an alarm on my vehicle to cover my equipment?
No. We believe a car alarm is not a deterrent.

Can I insure my trailer?
In states where a trailer is a vehicle, the trailer must be insured on the auto insurance policy. In states where a trailer is NOT a vehicle and is considered business property, it should be included on the equipment list. In either case, the equipment inside the trailer is insured if you have purchased equipment insurance and the items are listed on the list you sent to us when you bought the insurance.

Do I have to be a member of WeDJ.com to obtain insurance?
Yes. You must be at least a Bronze level member (cost is $44.95 per year). This can be accomplished by going to www.wedj.com and clicking on the ‘get listed’ button on the top of the page and follow the instructions. After you create your log in, wait about 10 to 15 minutes for the WEDJ data base to update, then sign back on and click on the ‘renew or upgrade’ button and follow those instructions to obtain the Bronze level membership.

Where can I find the Inland Marine policy terms and conditions?
Because of state specific regulations, Inland Marine coverage forms are emailed directly to those insured who have purchased Inland Marine coverage. Please contact the program manager if you require another copy of these forms.