Cherish, Honor, & Protect
As a wedding DJ, you need more than a repertoire of romantic songs and a classy tux—you need DJ general liability insurance.
Why Do Wedding DJs Need DJ Insurance?
The short answer is to protect you and your DJ business from expensive lawsuits and third-party claims. Plus, the wedding venue may require you to add them as an additional insured to protect them from your liability.
At this point, you may be thinking, "that won't happen to me," or "it's my buddy's wedding, he won't sue."
So, let's play the "what if?" game for a minute.
What if . . . you damage the floor at the wedding venue while you are setting up your equipment?
Could you pay for the repairs?
What if . . . the bride stumbles over your cords and breaks her ankle on her big day?
Are you prepared to cover her costs? (Is your buddy still going to be your buddy after your cords screw up his wedding night and he spends it at the ER with her?)
What if . . . you set up a fog machine and a wedding guest slips on the condensation from the machine.
Could you afford the lawsuit?
Now take a look at your bank account balance. Do the numbers in your bank account reflect your ability to pay a lawyer or other court costs, for property repairs or replacements, or other claims? Are you willing to put your personal assets on the line?
Did you answer "no"? That is why you need DJ insurance.
Did you answer "yes"? Great, we're happy for you, but does paying lawyers, venue owners, and other claimants sound like a fun way to spend your money? Didn't think so. You need DJ insurance.
What Insurance Do Wedding DJs Need?
This depends upon your wedding DJ operations. Are you a weekend warrior or a DJ wedding professional? Is this a one-time event, or do you DJ multiple weddings a year? Do you need to insure your DJ equipment? Do you need professional liability in addition to general & public liability? Does the venue require you to carry general liability insurance?
Insurance Canopy offers two DJ insurance options:
- 1-3 Day Policy $59 (General Liability Only)
- Annual Policy from $199 (Price may vary by location, income, and coverages selected.)
DJ Event Insurance
Our DJ event insurance offers 1–3 day coverage for only $59. This coverage is perfect for Wedding DJs who may only work a few weddings each year and who do not need equipment or professional liability coverage.
- General Aggregate (other than Products-Completed) $2,000,000
- Products Completed Operations Aggregate $2,000,000
- Each Occurrence Limit $1,000,000
- Damage to Premises Rented to You $300,000
DJ Annual Insurance
For the professional wedding DJ, the Insurance Canopy Annual DJ insurance policy is a more cost-effective solution than purchasing multiple event policies. Starting at just $199 a year, the annual policy includes:
- General Liability
- Professional Liability
- Flexibility to structure your equipment insurance coverage according to your specific needs.
Have Questions About Wedding DJ Insurance?
Insure your wedding DJ business. It’s the right thing to do. If you have additional questions, our representatives are available during business hours. Please contact us at 844-520-6993 or by emailing firstname.lastname@example.org.
All insurance policies have conditions, limitations, and exclusions, please refer to the policy for exact coverages.