Being a DJ is a fun and fulfilling profession. DJs, like other performers and professionals, face liability risks each time they perform. Luckily for you, Insurance Canopy provides DJ insurance at an affordable price and has the coverage you need. Today we’ll cover what type of insurance a DJ needs and how you can get insured today.
General Liability Insurance
General liability insurance, also known as business liability insurance, responds to instances or accidents that occur while running your normal DJ business. This can include bodily harm, property damage, advertising injury, and more. As a DJ, a venue could hold you responsible for any damage to their property. For example, if your DJ equipment scratches and damages their hardwood floor, you can be responsible to repair the damages. This is where general liability insurance comes in handy.
General liability is included in all Insurance Canopy DJ insurance policies (event and monthly/annual) and has a $2,000,000 general aggregate limit, with a $1,000,000 occurrence limit.
Professional Liability Insurance
Also known as errors and omissions insurance, professional liability insurance is designed to respond to negligence claims. This part of the policy typically covers negligence, personal injury, copyright infringement, and more. If an event guest is injured because of your business operations or something you fail to do, you can be held liable for the cost of a lawsuit. Professional liability helps protect your business and provides coverage for negligence claims.
Professional liability insurance is available on Insurance Canopy’s DJ monthly/annual policies, but not the event policies.
Some performers can get away without having additional insureds on their insurance policy, but for DJs, you almost can’t do your job without them. Most venues and events will require you to add them as an additional insured to your policy, so your coverage can extend to them. This benefits you, in the case of an accident at the venue, and the venue. With Insurance Canopy you can have an unlimited amount of additional insureds for just $10.
Get Coverage Today
We hope this article was helpful in understanding what type of insurance a DJ needs, and the difference between general and professional liability insurance. If you have any questions about the above information or our policy information, don’t hesitate to reach out to one of our licensed insurance agents. We wish you the best of luck with your DJ business!