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Best DJ Insurance Companies Compared

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DJ mixing at an outdoor gig.
Picture of <span style="font-weight: 600; font-family: open sans; font-size:14px;">Reviewed By:</span><br>JoAnne Hammer | Program Manager
Reviewed By:
JoAnne Hammer | Program Manager

JoAnne Hammer is the Program Manager for Insurance Canopy. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.

JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.

JoAnne Hammer is the Program Manager for Insurance Canopy. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.

JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.

The best insurance company for most DJs is Insurance Canopy, due to its combination of affordability and flexibility, highly rated carrier and customer service, and ease of purchase.

We compared the popular DJ insurance options to help you better understand what each offers and make sure you choose the best one for your professional needs.

  • Insurance Canopy: Best overall DJ insurance
  • DJ Insurance in Minutes: A quick application process
  • Thimble: Coverage by the hour
  • Next: Broad range of add-ons
  • One Day Event: Offers basic DJ general liability insurance

*Note: Transparency is one of Insurance Canopy’s core brand values. This guide was created with the most recent and verifiable information available to help our readers identify which provider is best for their business (even if it’s not us).

Best DJ Insurance Companies Compared

Provider Starting Monthly Cost for General Liability Same Day COI / Buy 100% Online General Liability (Base Policy) Unlimited Additional Insureds Included? Base Coverage Limit
Insurance Canopy
$18.50 per month
$2,000,000
DJ Insurance in Minutes
$14.58 per month
Not specified***
Up to $5,000,000
Thimble
$21.88 per month
$1,000,000
NEXT
$16.67 per month
Not specified***
$1,000,000
One Day Event
Varies
Not specified***
Not specified

**Starting monthly cost was obtained by completing applications for those providers who offer an online quote process.

With some providers, your actual starting cost could change based on your location, annual revenue, etc. To provide an honest comparison, our buyer persona is a solopreneur (no employees) based in Hartford, CT, earning $50,000 per year.

***The carrier offers additional insureds, but unlimited additional insureds may not be available.

Insurance Canopy: Best Overall DJ Insurance

Pros Cons
  • Affordable
  • Quick and easy application
  • Customizable coverage with an equipment coverage option
  • Doesn’t cover some genres or touring groups
Cost
  • $18.50/month or $199/year
  • $59/event
Key Coverages Included With an Annual Plan
  • General liability
  • Products – completed operations
  • Personal and advertising injury
  • Damage to premises rented to you
  • Medical expenses limit
  • Unlimited additional insureds
Add-ons
  • DJ equipment insurance (Inland Marine)
  • Cyber Liability
Covered Music Genres and Groups
  • Any group, individual, or genre other than those currently excluded
  • Excluded: heavy metal, punk, raves, touring groups, and crowds known to be over 1,000
Standout Features
  • Policy tailored to the unique needs and risks of DJs
  • Fast, same-day Certificate of Insurance (COI)
  • Easy to customize with more coverage
  • User-friendly online dashboard
  • Licensed, non-commissioned agent support if you need it

Insurance Canopy is your go-to DJ insurance option, starting at $18.50 a month for a year’s worth of coverage. If you have less than three gigs a year, we also offer an event policy at $59 for any one to three-day event.

With an instant COI and the ability to add additional insureds through our easy online application or customer dashboard, you can get protection and keep dropping beats instead of money for expensive claims.

Our non-commissioned customer service reps are available in English and Spanish to assist you via phone (+1.844.520.6993) or email (info@insurancecanopy.com).

DJ Insurance in Minutes: A Quick Application Process

ProsCons
  • Quick application process
  • Offers coverages for non-owned and hired auto, crime, and gear and equipment
  • Instant COIs
  • You might get a message to call the office while filling out the application to verify information
  • Getting a quote may take longer than 15 seconds

Cost

  • Starts at $14.58/month

Key Coverages Included With an Annual Plan

  • General liability

Add-ons

  • Gear and equipment
  • Non-owned and hired auto
  • Accidental death and dismemberment (AD&D)
  • Accident medical expense (AME)
  • Crime insurance

Covered Music Genres and Groups

  • Does not explain music genre or group exclusions on their website. You have to call customer service to request this information.

Standout Features

  • Non-owned and hired auto coverage
  • Crime insurance
  • Accidental death and dismemberment (AD&D)
  • Accident medical expense (AME)

DJ Insurance in Minutes offers quick and easy protection for general liability, gear and equipment, and accident-related insurance. Customer service is available five days a week with 24/7 claim-filing services.

You also get instant COIs and the option to add employee crime, auto, accidental death and dismemberment, and accident medical expense (AME) coverage to your policies.

Thimble: Coverage by the Hour

ProsCons
  • Customizable short-term policies for a specific gig, a month, or a year
  • Quick application process
  • Convenient mobile app
  • High online purchase transaction fee(s)
  • Online customer support only

Cost

  • Custom quotes

Key Coverages Included With an Annual Plan

  • General liability
  • Professional liability
  • Customer property protection
  • Business equipment protection
  • Cyber liability
  • Business owners package (BOP)

Covered Music Genres and Groups

  • No information available about genre-specific coverage or exclusions

Standout Features

  • Versatile event or short-term policy options
  • Option to add professional liability to the policy
  • Terrorism coverage is included in general liability
  • Has a free mobile app

Thimble offers flexible, short-term coverage for seasonal or gig-based work with options for job-based, monthly, or yearly policies. You can even choose the exact hour when your coverage starts and ends.

However, some customer reviews stated Thimble has fees, including down payments, for completing online applications.

Your policy also includes terrorism coverage for individuals or groups of people who cause violent acts that threaten human life, property, or buildings, aimed at influencing U.S. policy or government conduct.

NEXT: Broad Range of Add-Ons

Pros Cons
  • Multiple limit options for general liability, commercial auto, workers’ compensation, professional liability, and commercial property coverages
  • Instant Certificate of Insurance (COI)
  • No single event coverage
  • Only offers specific coverage DJs, not musicians and bands
  • Online/AI customer service only; must go through the AI chatbot to be connected with live service reps
Cost
  • Custom quotes
Key Coverages Included With an Annual Plan
  • General liability
  • Commercial auto
  • Commercial property
  • Workers’ comp
  • Tools and equipment coverage
  • Professional liability
Covered Music Genres and Groups
  • No information available about genre-specific coverage or exclusions
Standout Features
  • Offers numerous insurance coverages, such as towing and labor, and rental reimbursement for commercial auto coverage

NEXT insurance provides flexible coverage options, including general liability, commercial auto, professional liability, and workers’ compensation. Commercial auto also offers numerous add-ons, such as rental reimbursement, towing, and labor.

You also get an instant COI, which is a major plus. While the AI-driven customer service is fast, you’ll need to chat with the bot first before interacting with a human representative.

One Day Event: Offers Basic DJ General Liability Insurance

ProsCons
  • Affordable rates
  • Quick application process
  • Customer service is available seven days a week
  • The application process occasionally lags
  • Hit-or-miss customer service
  • No annual plans
  • General liability coverage only

Cost

  • Custom quotes

Key Coverages Included With an Annual Plan

  • General liability

Covered Music Genres and Groups

  • Doesn’t specify this information

Standout Features

  • Weekend customer service hours
  • Customers can donate a portion of their premiums to a global organization

One Day Event offers hassle-free general liability coverage for all your events, though the cost varies depending on the information you provide on your application.

The process is quick, and customer service is available seven days a week. You can also schedule an event a year in advance. But the application can occasionally lag.

FAQs About DJ Insurance

How Can I Determine the Right Amount of DJ Coverage I Need for My Business?

Determine the right amount of DJ coverage for your business, considering how many gigs you have in a year and whether you need protection for your gear and equipment.

For example, Insurance Canopy offers year-round coverage with the option to add equipment insurance, or event coverage for 1–3 day gigs.

Note: Gear and equipment coverage is only available as an add-on under Insurance Canopy’s annual DJ policy.

Are There Any Exclusions in DJ Insurance Policies I Should Be Aware Of?

Some exclusions may include:

  • Crowd sizes
  • How long gigs last
  • Music genres

Talk with your insurance provider about your policy conditions and exclusions because they vary.

Can I Get DJ Insurance if I Work Part-Time or Have a Side Hustle?

Absolutely! DJ insurance works if you work full or part-time because risks like trip-and-fall accidents, venue damages, and defamation lawsuits can happen anywhere.

How Can I File a Claim if Something Goes Wrong During an Event?

Insurance Canopy makes it super easy to file a claim if risks crash your gig:

  • Log in to your customer dashboard
  • Find “Manage Polices”
  • Click “File A Claim”
  • Give the required information
  • Submit your claim

Do I Insure My DJ Equipment Separately, or Is It Included in General Liability Coverage?

Typically, DJ equipment insurance is sold separately, but it’s important to check with the insurance provider.

For example, Insurance Canopy offers DJ gear and equipment coverage as an add-on to an annual policy with these price plans:

  1. $2,000 limit per year (+$7.50 / month)
  2. $5,000 limit per year (+$15 / month)
A DJ mixing music at a house party.

Protect Your Business With the Best DJ Insurance

Keep the party going with DJ insurance from Insurance Canopy. Get affordable, customizable coverage that keeps the music going even if things get out of sync.

If you have more than three events a year, our annual policy starting at $18.50 a month can save you money.

Do you have three or fewer gigs in a year? No problem. Opt for our event coverage starting at $59 per event for up to three days of protection.

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