Wedding DJ insurance starts as low as $18.50 per month. If you’re not sure that extra expense fits in your budget, consider this:
- The average cost of an urgent care visit for a broken wrist: over $600
- The average ER visit: nearly $3,000
- The cost to resurface and repair damaged venue flooring: up to $8,000
Before you choose to skip out on coverage to save a few bucks, let’s take a few minutes to dig into the real cost of wedding DJ insurance.
How Much Wedding DJ Insurance Costs (and Why It’s Worth It)
TL;DR: Wedding DJ insurance is worth the $18.50/month because:
- It protects you from unexpected costs in case of an accident
- It protects you from paying legal costs in case of a lawsuit
- It protects your reputation as a serious business
- It provides the required coverage for most wedding venues
Imagine: you’re DJing a wedding, and the reception is in full swing. The bride’s whole family joins the couple on the dance floor when Grandma slips on a tiny puddle near your fog machine.
Next thing you know, you’re watching Grandma go down and an uncle knocking over your speaker as he tries to rescue Grandma. Now you have a broken speaker and a family blaming you for their granny’s broken hip.
Between medical bills and replacement costs for your gear, you’re looking at tens of thousands of dollars in unexpected expenses. Without insurance, you could end up paying for all of it out of your own pocket.
With Insurance Canopy, annual wedding DJ insurance costs $18.50 per month, or $192 per year. Compare that to thousands of dollars in medical bills, repair costs, and equipment repairs. The math is math-ing in your favor. It just makes sense!
On top of acting as a financial safety net, DJ liability insurance is also required by most wedding venues. Event spaces typically ask to see proof of insurance before they allow you to do anything on their property. Without insurance, you’re not booking jobs. Without jobs, you’re not making money!
Common Risks Wedding DJ Insurance Covers
Wedding DJ insurance covers more than slips, trips, and falls, it can also cover costs related to things like:
- Accidental damage you do to the venue’s property, like denting the floor during setup or scratching a wall while packing up
- Accusations of non-physical harm, like false advertising or slander
- Claims your equipment or services caused physical harm, like your lights hurting someone’s vision, or your speakers being so loud that they ruptured a guest’s eardrum
Costs and Coverages of Wedding DJ Insurance
With an annual wedding DJ policy from Canopy, you get these essential coverages and more for just $192/year ($18.50/month):
- General Liability: A total of $2,000,000 in coverage for physical injuries or accidents that harm others, or damage done to others’ property (like the venue’s floors or the bride’s dress).
- Personal and Advertising Injury: A total of $1,000,000 in coverage for harm or damage that is not physical/bodily harm. This typically applies to things like invasion of privacy, libel, and slander.
- Medical Expense Limit: A total of $5,000 for the medical bills per person who was injured in or around your gig setup, regardless of fault.
Depending on your individual needs, you can also choose to add these optional coverages to your policy:
- Gear and Equipment (also referred to as “inland marine” coverage): For help repairing or replacing your DJ equipment. Get $2,000 in coverage for $7.50/month or $5,000 for $15/month.
- Cyber Liability: For help if you experience a cyber security breach like someone hacking into your client payment info and stealing their credit card numbers. Get $100,000 in coverage for $6.58/month.
- Excess Liability: Bumps up your total general liability coverage by another $1,000,000 (so you’d have $3,000,000 total instead of $2,000,000). Get this added on for $8.33/month.
- Additional Insureds: For when venues require you to add them as an additional insured on your policy — which means your insurance would cover them too if something happens. Add an unlimited number of additional insureds to your policy for $10 total.
Get Started With Wedding DJ Insurance
Buy your policy today and get coverage for all of your gigs this wedding season! It’s easy to get started, just follow these steps:
- Choose Disc Jockey in the checkout menu
- Opt in or out of equipment and gear coverage
- Select your start date and provide your personal and business information
- Opt in to additional coverages if desired
- Add additional insureds (or add them later, any time from your online user dashboard)
- Select annual or monthly payments and pay
You’re covered!
As soon as your payment is processed you can log into your account and download your Certificate of Insurance (COI).
