Entertainment & Event Professional
Liability & Property Insurance
Please note: Access to our excellent group insurance pricing is just one of many benefits of PartiPeople vendor membership. Becoming a member does not include or guarantee insurance coverage. See steps below to obtain a quote and purchase your policy. Contact our insurance broker directly if you have any questions prior to purchasing coverage.
WHY DO I NEED INSURANCE? Imagine what would happen if you woke up tomorrow and you didn't have your business equipment due to theft or fire. Imagine the impact of a $500,000 or $1,000,000 lawsuit against you, a subcontractor, or other representative of your business. Without insurance, your world could be turned upside down; possibly dealing a huge financial blow to you, your family, and your business. At the PEEP Network, our members can rest easier at night, knowing that when they obtain insurance through our group insurance benefit, they will be covered for unforeseen losses (subject to policy terms and limits, or course). Our insurance benefit is backed by the Philadelphia Insurance Companies, an A++ rated carrier, and is serviced by the best broker in the business, Dale Wittick, Jr., CPCU. Dale is the only CPCU (Certified Property Casualty Underwriter) that has specialized in providing insurance for the DJ and event industry, and has done so for more than a decade. In addition, Dale has appeared at more national DJ and event industry trade shows, conventions, and educational seminars for entertainers and event industry professionals than any other insurance broker or representative.
WHO NEEDS INSURANCE? Anyone that works as a DJ, KJ, VJ, Photo Booth Operator, Photographer, Videographer, Magician, Fire Entertainer, Costumed Entertainer (including Santa), Member of a Band, Choir, Entertainment Troupe, or Solo Act.
PRICING: Your specific quote is based on your business type, the number of employees or assistants, the number of subcontractors, the value of your equipment (if insuring for property loss), and your limits. Although a $5,000,000 umbrella policy is now available, our group liabilities policies for performers and event professionals are generally quoted in two "flavors" - $1,000,000 per incident or $2,000,000 per incident - both have a $2,000,000 aggregate limit. Insurance is highly regulated and prices are fixed by the companies and approved by state insurance commissions. You should be wary of any salesperson attempting to give you an offer that is "too goo to be true" - because in fact, it probably is. We have worked hard to obtain the lowest possible rates and access cost for our members, and our broker's firm is open 9am - 5pm Eastern Monday to Friday, ready to answer your insurance questions.
The below rates are "starting at" rates for $1,000,000 liability coverage, for single operators without additional employees or assistants. Property casualty insurance is available starting at just $10/per $1,000 of equipment (with a $150 minimum premium). This is the lowest price for equipment insurance in the industry.
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Disc Jockeys, Officiants, Photographers, Videographers, Solo Musicians, Actors, and Cooking Demonstrators - from $219/yr (that’s 60 cents a day!)
Bands, Choirs, Choruses (2-4 Members) - from $475/year, + $60/per extra member
Characters, Santas, Clowns, Magicians, Face Painters, Make Up Artists, Jugglers, Stage Hypnotists, Public Speakers, Puppeteers - from $150/year
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DID YOU KNOW that subcontractors do not have their own coverage under your insurance policy? All of your subcontractors need their own insurance policy. If a negligent act by a subcontractor at one of your events results in a lawsuit against your business, your business will be covered up to your policy limits, but your subcontractor will not be covered. As a business owner that relies on the availability, professionalism, and equipment that your contractors provide, you should ensure through a subcontractor agreement and verification of their policy certificate, that they are properly covered.
ENOUGH INFORMATION.... I'M SOLD! HOW DO I GET INSURANCE? The process to gain coverage through PEEP's master insurance policy takes just 5-7 minutes. The end result is a certificate of insurance in your email box within seconds after checkout for up to $2,000,000 of coverage - effective as early as the next calendar day, or you can set it to start when your current policy expires.
STEP 1: Become a basic or premium PartiPeople member by selecting your membership type and making full payment through the checkout process.
STEP 2: You'll receive a receipt and member number (your member number is your invoice number) in your email within a few seconds of checkout.
STEP 3: Go to www.peepinsurance.com and click the "Apply for Insurance" button - complete the information requested, receive your quote, and checkout.
STEP 4: That's It! You will receive your Certificate of Insurance via email within seconds of purchase.
If you need to add additional insured parties or venues, no problem! The simple self-service access is available 24/7. Just go back to www.peepinsurance.com and click the "Get a Certificate" button. You'll need to request your certificate the day before your event, but you can sit down at one time and print certificates of insurance for all of your events - no extra cost - it will make you and your business look more professional in the eyes of the venue managers, which may help land you on more preferred vendor lists.
Insurance Questions? Contact our Broker:
Dale Wittick, Jr., CPCU
PEEP Insurance Incorporated
(215) 733-7467
Dale.Wittick@PEEPinsurance.com
www.peepinsurance.com