Protecting Your Business: DJ Event or Annual Insurance, Which One Is for You?

Let’s say you’re the DJ for a Christmas party, and a guest trips over a wire and breaks their nose. Who will be found liable for this mishap? The host? Your excited party-goer? The venue owner? Chances are, the lawyer for your injured guest will be a grinch and you’ll likely be a target for a lawsuit or damages. Fear not. There are ways to protect yourself against third-party liability claims. Insurance Canopy offers DJ annual, event, and equipment insurance, but you may be asking yourself, which policy is right for my business?

WHAT IS DJ ANNUAL INSURANCE?

Annual DJ liability insurance gives you coverage for your events for the entire year without you having to worry about coverage for your next gig. We think you’ll find this to be the most cost-effective option, especially if you book four or more events per year.

DJ Annual offers:

• General liability coverage for eligible events for an entire year
• Option to include additional coverage for your equipment
• Prices starting at $199
• Unlimited additional insureds only $10

Coverage limits are:

• General Aggregate $2,000,000
• Products Completed Aggregate $2,000,000
• Each Occurrence Limit $1,000,000
• Damage to Premises Rented $300,000

WHAT IS DJ EQUIPMENT INSURANCE?

DJ equipment insurance covers tangible property that is movable or transportable in nature, such as supplies, equipment, or inventory.^† Our DJ equipment insurance is optional and we only offer it in the annual policy. Coverage limits available:

• Inland Marine Limit Each Occurrence/Aggregate $2,000/$4,000 $40
• Inland Marine Limit Each Occurrence/Aggregate $5,000/$10,000  $60

WHAT IS 1 DAY DJ INSURANCE?

Event DJ liability insurance gives you 1–3 day DJ insurance coverage. This may be the option of choice for part-time DJs, or DJs who have fewer than four events a year.

DJ Event offers:

• General liability coverage for 1–3 days
• Budget-friendly $59 price
• Unlimited additional insureds only $5

Coverage limits are:

• General Aggregate $2,000,000
• Products Completed Aggregate $2,000,000
• Each Occurrence Limit $1,000,000
• Damage to Premises Rented $300,000

WHY OUR POLICY IS MORE COST-EFFECTIVE THAN OUR COMPETITORS

Our competitors charge between $65 and $157 for single event coverage and charge fees for each additional insured added. In contrast, our event policy is priced at a budget-friendly $59 and our annual policy is just $199 for a full year’s coverage. You can add unlimited additional insureds to the event policy for just $5, and to the annual policy for just $10. This gives you the freedom to DJ at multiple events throughout the policy term. Both of our policies offer you “A+ rated” insurance that is licensed in all 50 states. Don’t wait until you’re under fire for a silly little cord to think about protecting yourself and your business. Secure your business with DJ insurance today! ^†This does not include the setup of lights for others’ performances, or sound and lighting technicians. All insurance policies have conditions, limitations and exclusions. Please refer to the policy for exact coverages.