jimmy loram

Wedding DJ's, Bands & Wedding Insurance, Oh My!

If you start your plans to set up contracting the reception band or disc jockey, finding out that they are covered by your wedding insurance policy is vital.  One of the most important aspects of your one and only nuptial celebration is your wedding musical entertainers.  Of all of the different vendors of your day of celebration, it is your wedding MC, DJ, band, etc. that will either make or break the outcome of your reception. See why it matters.

If you start your plans to set up contracting the reception band or disc jockey, finding out that they are covered by your wedding insurance policy is vital.  One of the most important aspects of your one and only nuptial celebration is your wedding musical entertainers.  Of all of the different vendors of your day of celebration, it is your wedding MC, DJ, band, etc. that will either make or break the outcome of your reception.  Think about it.  Do your relatives & pals take off early because the flowers don’t exactly match with the rest of the atmosphere?  Do your guests get bored because they dislike how your wedding dress fits you?  Will your friends and family start wondering if it’s too early to take off because of the lighting, the cake, the style of salad, the way the linens clash with the carpet, the style of tuxedos, or even the photographer?  Absolutely not!  But if the MC is obnoxious or the band is not involving enough, you can bet your wedding guests will be rushing to tell you congrats so they can take off.

Having wedding insurance most likely won’t cover you if your entertainment is horrendous, so that is why it’s crucial to hire true professionals to begin with.  What is important is that your wedding DJ or band has wedding liability insurance.  This will protect you in case one of their speakers falls on a guest or if the music is so loud it explodes someone’s eardrum and they need eardrum surgery.  I’m kidding here, but it would be a tragedy if someone got hurt due to the entertainment and you got litigated against. 

One thing you can make sure of is that your wedding insurance policy will cover you if your DJ or band pulls a fast one on you, wreck their car on the way to your wedding, or if an important member flakes.  Without your wedding entertainment, you might be able to use the house system to play some nice and quiet background music during dinner.  After dinner, though, there wouldn’t be any dancing or fun so your wedding celebration would simply turn into a wedding dinner.  Your friends and family would take off as soon as the cake was served.  Having wedding insurance coverage should allow you to recover not only the money for the wedding entertainment, but even more for your people leaving extremely early!

Another suggestion is to have a back up plan for your band or disc jockey.  You probably can’t afford to have two separate DJ companies on hold for your wedding day, but knowing your next step in case of an emergency is wise.  While interviewing for your entertainment, keep the contact information for all of the companies you get in touch with.  If it turns out your original choice isn’t going to work out, you can call your other leads to see if they still have your reception date still clear.  You can also go through your local associations, like the ADJA (American Disc Jockey Association) and keep their telephone number close by.  Some carry an emergency phone number just in case a disc jockey runs into issues and can’t make it to your event.  Regardless, your wedding insurance should kick in to cover your losses if you have problems with your wedding entertainment.

As mentioned before, your entertainment is the only part of your reception that will either make your reception fun and memorable or ruin it by being atrocious or even completely lacking.  Put the best in place.  Obviously, this is the area YOU SHOULD NOTyou’re your skimp on!  You can spend $100,000 on all the other sections of your wedding, but if your DJ or band is awful, your friends and family will leave early and all that hard work and funds will be squandered.  You can always try to save money with your entertainment if you have wedding insurance, but why take that chance?

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