Policy and insurer

• Policyholder: N.A.D.J. and all eligible insured members.
• Policy number: PARDCC000828.
• Current master policy period: 28 January 2026 to 27 January 2027.
• Underwriter: Accelerant Insurance UK Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (reference 207658).
• Administrator: Pardus Underwriting Limited (FCA 826750).
• Broker: Sharrock Insurance Services Limited, trading as Sharrocks.

Who is eligible and how long cover lasts

Insured Professional members normally resident in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man are entitled to the cover described here. A membership beginning or renewing during the master policy period can remain insured until that individual membership expires, provided the member remains eligible and the membership lasts no more than 12 months.

Business activities covered

The Confirmation of Cover lists work as a Disc Jockey, karaoke host, VJ or Master of Ceremonies; dry hire of audio-visual equipment, including light-up letters, portable dance floors and related equipment and accessories; and teaching DJ skills. NADJ also holds separate broker confirmation extending Public Liability cover to photobooth operation for Professional members. Members should check with Sharrocks where their work extends beyond the activities described here.

Public Liability

Public Liability covers legal liability for accidental bodily injury to another person, accidental damage to third-party property, obstruction, trespass, nuisance or interference with rights of way, air, light, water or other easements, and wrongful arrest, detention, false imprisonment or malicious prosecution arising from the insured business.

• Limit: £10,000,000 for any one event, as confirmed by Sharrocks. Terrorism liability is limited to £5,000,000 or the policy limit, whichever is lower.
• Legal costs: covered costs and expenses are normally payable in addition to the applicable limit unless the policy or an endorsement says otherwise.
• Useful extensions: certain rented premises liabilities, loading and unloading vehicles, temporary work in the European Union, sudden pollution or contamination, defence costs, court attendance, Health and Safety prosecutions and Corporate Manslaughter defence costs, all subject to their own conditions and limits.

Employers’ Liability

Employers’ Liability covers legal liability for damages following bodily injury to an employee arising from and during their employment in connection with the insured business.

• Limit: £10,000,000 for any one event.
• Asbestos or terrorism: the limit reduces to £5,000,000.
• Certificate: the certificate confirms that the cover satisfies the relevant compulsory insurance law across Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.
• Temporary EU work: bodily injury to an employee may be covered while temporarily working in an EU country, provided the employee is ordinarily resident within the normal territorial limits. Workers’ Compensation, Social Security and Health Insurance liabilities are excluded.

Products Liability

Products Liability covers legal liability for accidental bodily injury or third-party property damage caused by a product supplied in the course of the insured business. Cover applies worldwide, subject to the policy restrictions and endorsements.

• The policy limit applies in total across all Products Liability events during the policy period, rather than separately to every claim.
• For claims occurring in, or brought under the laws of, the USA or Canada, covered legal costs form part of the limit rather than being paid in addition.
• The cost of recalling, repairing, replacing, altering or refunding a defective product itself is not covered.
• There is no cover for a product simply failing to perform its intended function, fee-paid advice or design, professional services, or products knowingly supplied for aviation, aerospace, marine navigation, the USA or Canada.

Territorial position

The policy wording defines the normal territorial limits as Great Britain, Northern Ireland, the Isle of Man and the Channel Islands, excluding offshore activity. Public and Employers’ Liability contain extensions for temporary work in European Union countries. Members should obtain confirmation from Sharrocks before accepting work outside the normal territory, as local law and the precise nature of the work can affect cover.

Main exclusions and limitations

• Acting as the promoter or organiser of an event is excluded by endorsement.
• Professional Indemnity is not included. Fee-paid advice, design, plans, specifications and professional services are not covered under Products Liability.
• Public Liability does not cover injury to employees; that falls under Employers’ Liability.
• Property belonging to the member, or generally held in their custody or control, is not covered by Public Liability. This policy is therefore not equipment insurance.
• Liability requiring compulsory motor insurance, most aircraft, hovercraft and watercraft risks, and offshore activity are excluded.
• Contractual liabilities beyond those that would otherwise exist in law, liquidated damages and penalty clauses are generally excluded.
• Cyber and electronic-data losses, nuclear and radioactive risks, PFAS-related liability, sanctions and specified communicable disease losses are subject to broad policy exclusions. The communicable disease exclusion does not apply to Employers’ Liability.
• A £250 excess applies to all insured sections under the NADJ scheme confirmation.

If something happens or a claim may be made

• Notify Sharrocks in writing as soon as reasonably practicable, giving full details of any incident or circumstance that may result in a claim.
• Forward every letter of claim, claim form, summons or other legal document immediately and unanswered.
• Do not admit liability, make an offer, promise payment or agree an indemnity without the insurer’s written consent.
• Co-operate with the insurer, provide the information requested and take reasonable steps to prevent further loss or injury.

Claims and cover enquiries: Sharrocks, 01795 580800 or enquiries@sharrock-insurance.com.

Existing membership prices and benefits remain in place for the current agreed term. Members will receive advance notice of any change to their membership at renewal. Existing monthly instalments continue under the current agreement until that renewal.

Membership normally renews automatically to avoid a break in services and insurance where applicable. To prevent renewal, cancel through the membership system; cancelling a Direct Debit or card instruction alone does not notify NADJ.

Members who contact NADJ within 14 days after renewal will normally have their circumstances considered, particularly where benefits have not been substantially used. If an instalment is missed, membership may be suspended after NADJ has contacted you. Insurance may also be suspended or cease when membership lapses.

Included support: membership includes access to the member portal, chatbot, help articles and basic account-level assistance. Members should use the chatbot and published guidance first, as these provide the quickest route for routine questions, account changes, verification, documents and certificates.

Chargeable assisted administration: work which goes beyond basic support is charged at £25 per hour, calculated in 15-minute increments and agreed before work begins. Examples include completing or rewriting a directory profile on a member’s behalf, preparing or posting printed certificates, repeated manual account changes, data entry and more than three staff-assisted password resets during a membership year. Printing and postage costs may also be charged where applicable.

What is not charged: NADJ does not charge members for reporting a genuine technical fault, making a complaint, raising a safeguarding concern, requesting a reasonable accessibility adjustment or correcting an error made by NADJ.

Insurance claims for members are handled by Sharrocks, not NADJ. Call 01795 580800 or email enquiries@sharrock-insurance.com.