You don’t attend weddings — you make memories with epic mixing and MC skills, which is why you deserve insurance that works just as hard as you do.
Insurance Canopy has special wedding DJ coverage tailored to meet your unique business needs, fit your budget with affordable pricing, and give you extra peace of mind.
What Is Wedding DJ Special Coverage? (+ Why it Matters for Your Business)
Special coverage for wedding DJs is insurance that acts like your financial umbrella if you’re hit with expensive medical, legal, and venue damage claims.
You can also customize your annual policy with optional add-on coverages for your gear (any damage during or while traveling to gigs) and if hackers steal your customers’ personal information (cyber liability).
Without insurance, one or two claims alone can deplete your entire revenue. Plus, most venues require proof of insurance (aka your certificate of insurance or COI) before hiring you.
The following is included in the base of your special wedding DJ insurance for event and annual policies:
- Medical injuries: For trip-and-falls or other injuries
- Venue damages: For scuffed floors, holes in walls, and other harm to event spaces
- Libel, slander, and similar lawsuits: For injuries to someone’s reputation
Optional add-on coverages (for annual policies only):
- Gear and equipment: For theft or damage during or while traveling to gigs
- Cyber liability: For protecting your business from data breaches or cyber attacks
The Risks You and Other Wedding DJs Face (& How Special Coverage Has Your Back)
All weddings come with their fair share of surprises and risks. But with the right special wedding DJ coverage, you’re ready for whatever comes your way — giving you extra peace of mind to focus on what matters most: your gigs.
Some wedding DJ fails you may face during, before, or after an event include:
| Claim Example | How Insurance Helps |
|---|---|
|
While setting up your DJ booth, a guest trips over one of your loose cords and sprains their wrist | $4,270 |
Whether it’s trip-and-fall accidents, broken bones, or any other injuries, wedding DJ liability insurance can cover ER bills, ambulance rides, and hospital stays. |
|
While performing, one of your DJ speakers scuffs the venue’s floor | $907 |
General liability insurance can pay for repair or cleaning bills from several venue damage claims, such as scuffed floors or a fire from your cold sparks machine. |
|
Someone accidentally spills their drink on your mixer and other equipment | $5,161 |
DJ equipment insurance covers the replacement or repair fees for spilled drinks, damaged gear in a car accident while traveling to a gig, weather damage, and theft. |
|
You talk negatively about a competitor in one of your social media ads, and they sue you, claiming your ad ruined their business | $18,416 |
DJ general liability insurance has you covered if your advertising strategies go sideways — whether it’s defamation or using someone in your ad without their permission. |
Choose the Best Wedding DJ Special Coverage for Your Needs
Picking the right coverage shouldn’t be complicated.
After all, you have couples to meet, playlists to create, and equipment to calibrate. So we’re giving you jargon-free information on how to build your special wedding DJ coverage so you can pick the right options confidently.
Proof of Coverage Keeps You Booked
Whether your next wedding gig is in an upscale hotel ballroom, a historic site, or even a barn, wedding DJ liability insurance is a must!
When you perform on other venues’ dancefloors, your problems become their problems.
That’s why venue owners or wedding planners ask for proof of insurance, also known as a certificate of insurance (COI), before hiring you. Once you sign up, you get an instant COI that’s available for any gig you have.
Some venue owners may ask you to add them to your policy as an additional insured — just in case they’re hit with an expensive claim because of your work spinning tracks or MCing the reception.
Annual Coverage Designed for Wedding Season and Beyond
If you play more than a few weddings per year, an annual policy is your best option because it’s budget-friendly and prepares you for any surprise gigs that come your way. You don’t have to worry about constantly filling out a policy application if last-minute weddings come up.
You can also bundle your policy with add-on options for equipment protection and cyber liability coverage to protect your DJ gear and online business operations.
Do you only perform one or two weddings a year? You may only need a single event policy that financially protects one gig for up to three days, starting at $59.
Keep in mind, though, the event policy only offers general liability coverage. You won’t be able to add equipment or cyber liability insurance to this policy.
Protect the Gear That Powers Your Gigs
In addition to bringing your mixers, turntables, and other gear to gigs, you might also rent items for events you DJ at, such as:
- Dry ice for cloud dancing
- Cold spark machines
- Photo booths
- Fog or bubble machines
- Video screens
Protect your purchased and rented tools with wedding DJ equipment insurance. If your gear breaks while traveling to a gig, or someone damages or steals it during one of your gigs, this coverage protects you from paying for the repair or replacement bills out of pocket.
You’ve invested so much time and money into your gear and equipment — the backbone of your business. Why not protect it?
How Special Wedding DJ Coverage Stood Up to These Real-World Claims
Just one expensive claim can drastically change the tempo of your wedding DJ business. However, the right insurance coverage can reduce or even cover the whole claim, so you can keep mixing tracks confidently.
All the DJs who faced unexpected claims like these discovered that special coverage was the safety net they never knew they needed — but were relieved to have it.
Rock Out Every Wedding Worry-Free With Insurance Canopy
Couples hire you to make their special day unforgettable — but you can’t make their dream a reality without the right special wedding DJ coverage.
An annual policy starts as low as $18.50 a month — about the same price as a small pack of royalty-free sound effects. If you only have a few wedding gigs per year, opt for our event policy starting at $59 per event for up to three days of coverage.
Frequently Asked Questions About Wedding DJ Insurance
Do I Really Need Insurance as a Wedding DJ?
Absolutely! You need wedding DJ insurance to financially protect yourself if costly risks pop up during your gigs — trip-and-falls, your gear accidentally scuffs a venue’s floor, or someone knocks over your DJ booth and damages your gear.
Furthermore, most venues or wedding coordinators won’t hire you without insurance.
What’s Covered Under DJ Equipment Protection Insurance?
DJ equipment insurance covers purchased or rented gear you use during gigs, such as:
- Mixers
- Turntables
- Headphones
- Laptops
- Cold spark machines
- Photo booths
- Fog or bubble machines
- Video screens
How Do I File a Claim for Damaged or Stolen DJ Equipment with Insurance Canopy?
You can file a claim for damaged or stolen equipment in a few minutes by following these five steps:
- Log in to your user dashboard
- Go to the “Manage Policies” section
- Click “File A Claim”
- Enter the required information
- Submit your claim
Processing time can take 24 to 48 hours after submitting your claim. When you talk to your assigned adjuster, be sure to have the following information:
- Date, time, and location of the incident
- A clear description of the incident
- A police report for vandalism or theft (department name and the responding officer’s name)
- A local weather report, if the weather had a role in the incident
- Your policy number and certificate number
- Your name, address, and phone number
Contact information for anyone else involved
