This insurance is to cover you (the client) if there were to be any accidental damages caused by you, or any of your guests in attendance, to any of the DJ's equipment, whilst on a Licenced or Residential premises. You (the client) and any of the guests in attendance, will not be liable to pay for any accidental damages. You (the client) Us (the DJ) and all of your guests in attendance, will also all still be covered by our Public Liability Insurance Policy, in the event of any personal injuries or any accidental damage caused to the property by Us (the DJ) or by any of their equipment. 

This is a one off insurance cover, which is only valid for the duration of your one off party/function.