A fellow DJ contacts you asking if you can cover a wedding that he’s booked. He wants to keep his contract with the bride and groom — he’ll provide uplighting for the event.
Would you still be covered by your insurance at this event if the contract is still in his name?
The answer, according to Dale Wittick, owner at PEEP Insurance, Collegeville, PA:
“When you accept to subcontract a job, you do not have coverage through the insurance policy of the DJ that is hiring you to do the job. You are a sub-contractor (1099 payment) not an employee (W-2 payment). You have coverage for doing a subcontracted job through your own policy. That covers jobs in which your name is on the contract and coverage for you for gigs you do.
The company name on the contract needs to also have insurance, so if the sub-contractor they hire creates a claim, their insurance will defend them. Both entities will need their own insurance because the injured party’s lawyer will sue the property owner, the contracted DJ business named on the contract, and performing DJ that created the claim.
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