Re: Insurance for weekend guys
There are a lot of small providers who tell their insurance company that they are DJs and the policies are in the $500-$800 range. If you aren't paying several thousand dollars you probably aren't covered correctly.
Where I live and work it requires a minimum of 1,000,000/2,000,000 to get work with any municipality with the exception of at least one that requires a 2,000,000/4,000,000 policy. Many also require workers comp certs too. So don't forget to make sure you have that policy in place too.
If I look at all of my insurance policies combined, it costs me close to $100 per invoice to insure my company. I prefer to keep good insurance coverage and it costs real money. Of course the guys out there that are not insured or pretend to be something that they aren't don't even consider how much it really costs to do work in this business.
