Mobile DJ Insurance: Do You Need It?

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DJ spinning record

Anyone who’s been in the DJ business long enough can tell you one insane story after the other of the crazy things that have happened during their events. Stories of people drinking too much and climbing on tables, individuals who’ve gotten in fights after having too much fun—you know the kind.

With mobile DJ insurance from Insurance Canopy, you may be protected with up to $2 million of general liability coverage.

To help you understand when DJ insurance could help your business, we’ll break down and explain the different coverages available.

General Liability Coverage

General liability insurance is what most people think of when they hear the term “business insurance.” If any of your business operations injure someone, you could be held liable and face very expensive lawsuits.

When you’re the life of a party, things can get out of hand and are sometimes out of your control. Let’s say a party guest is dancing and trips over one of your cables or bumps into one of your speakers. If they trip or a speaker lands on them and they’re injured, you could be on the hook to pay for any medical bills.

Injuries can often lead to lawsuits and you may have to hire a lawyer to defend you in court. Even if you aren’t guilty of anything, you may still have to pay legal fees, which can stack up quickly. These kinds of expenses could cripple any business, such as a small DJ business.

Inland Marine Coverage

Inland marine insurance is a form of property coverage. It would cover your DJ equipment in the case of theft.

How much coverage you get depends on how much your equipment is worth. This means that if you have speakers that cost $5,000 and they’re stolen, you could receive a check for five grand to cover the cost after you meet your deductible.

Damage to Premises Rented to You

If you’re renting out a venue to throw a party, then you’ll need coverage that could protect the venue in the case of an accident. If a patron punches a hole in the wall or a wall decoration crashes to the floor and breaks, you could be held liable. Even if someone lights a cigarette and burns down the venue, your insurance policy may cover up to $300,000 of the damages.

Without DJ insurance you could still be held liable, you just wouldn’t have the funds to pay for the damages and your business could go bankrupt.

Customized Insurance

Insurance should be as varied as your sets. Disc Jockey Insurance from Insurance Canopy ensures that you have the coverage you need and none that you don’t.

We offer event insurance starting at $59 and annual insurance starting at $199. On top of that, you can choose whether or not you’d like to pay more for inland marine coverage.

If something unfortunate does happen and you need to use your insurance, licensed insurance agents will be there to help you through the entire claims process.

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