You provide couples with fire tracks and keep the guests dancing on their special day. But accidents can still happen, no matter how prepared and careful you are.
When you’re working a gig, you’re open to risks from setup to cleanup and everything in between.
We’re breaking down the essential info you need to know about wedding DJ insurance, including what it is, how it works, and why you need it. The more you know, the more prepared you’ll be, so you can keep the party going strong without worrying.
What Does Wedding DJ Insurance Cover?
Wedding DJ insurance financially protects you from the most common risks you face while on the job.
If you drop a speaker and scratch the venue’s floor or a guest trips over an extension cord and sprains their wrist, your insurance can cover some or all of the cost if you’re found responsible.
Your insurance can cover way more than property damage and injuries, though. Let’s dig into how wedding DJ insurance can protect your business and your bank account.
General Liability Insurance
General liability insurance is the foundation of your policy. It covers some of the most common claims you may face as a wedding DJ, including:
- Personal and advertising injury: Defends against claims like slander, libel, or copyright infringement
- Medical injuries: Covers guests or venue staff if they are injured during your gigs, such as trip-and-fall accidents
- Property damage: Covers damage to third-party property, like a venue or a client’s home
- Products-completed operations: Covers claims involving your goods or services, such as if a client sues you because you didn’t play the song they requested for their first dance
Gear and Equipment Coverage
You put in time, money, and effort to find the perfect headphones, optimal speakers, and easy-to-use software to create your signature sound.
Why not protect them?
Our Gear and Equipment Coverage is an optional add-on for annual policies that protects your tools from theft or damage.
If something goes wrong, you don’t have to pay out of pocket for repairs or replacements, such as if a guest accidentally smashes your speaker or someone spills a drink on your laptop, saving you tons of stress and time.
Did you know? 90% of our claims are for damaged gear, and 60% of our customers choose gear and equipment insurance!
Cyber Liability Coverage
A University of Maryland study says cyber attacks occur every 39 seconds, or roughly 2,244 times a day.
If you use a computer to interact with customers, book gigs, send and receive contracts, or process client payment information, you need Cyber Liability Insurance.
You may think: “I’m a small business. What do hackers want with me?” Small businesses made up 43% of all data breaches according to Verizon’s 2019 Data Breach Investigations Report.
If your business experiences cyber attacks, you could have to pay for data recovery, incident response, IT support fees, and legal fees out of pocket.
Our Cyber Liability Insurance, another optional coverage for annual policies, pays for most or all of these bills, so you don’t drain your profits.
Why Do Wedding DJs Need Insurance?
You need wedding DJ insurance to protect your business from unexpected risks — one claim alone can cost you thousands of dollars! Most businesses can’t afford that kind of unexpected expense.
With insurance, you don’t have to face those expenses alone when accidents happen.
Aside from needing coverage for your own protection, most venues and event coordinators require insurance before hiring you.
They do this to limit their own risks during events. They may also request that you add them as an additional insured to your policy so your coverage extends to them.
You may think wedding DJ insurance isn’t necessary, but think again. It’s a business necessity that comes in handy, especially for unexpected mishaps.
Wedding DJ Insurance In Action
Unexpected risks can appear at any gig — even weddings. Without insurance, you’re stuck paying for claims by yourself. Here are some claim examples you could face:
Dancefloor Faux Pas | Total: $9,000:
Uncle Jessie “moonwalks” to a DJ’s playlist, trips over a few loose cords, and injures his back.
Hole-in-One | Total: $1,000:
A DJ accidentally stumbled while carrying equipment into a venue. Their mixer crashed into a wall and made a noticeable hole.
Scratch (On the Floor) | Total: $900:
After a DJ broke down their booth, there were scratches on the floor. The venue sends them a bill for the repair.
Choose the Right Wedding DJ Coverage for Your Business
The last thing you want to worry about is risks, especially when you’re the life of the party.
You can choose between annual coverage for year-round protection or an event policy for short-term coverage.
Choosing the most cost-effective insurance policy for your wedding DJ business depends on your unique business needs.
Annual
You need annual coverage if you have three or more wedding gigs a year. You get protection all year long starting at $18.50 a month (about the price of a new set of cables).
With an annual policy, you can also customize your coverage with these exclusive, optional add-ons:
- Gear and Equipment Insurance: Protects your gear in case of theft or damage
- Cyber Liability Insurance: Saves you from paying out-of-pocket for data breaches and cybercrime
- Excess Liability Coverage: Increase your coverage limits if venues or festivals require it
Event
Event coverage is your best option if you only have a few weddings per year.
Starting at $59, you get basic general liability coverage for three-day events. Even if your event is only for one day, the coverage can protect you while setting up and packing up your equipment.
FAQs About What Wedding DJ Insurance Covers
Is Coverage Provided for Events Outside of Traditional Weddings, Like Corporate Parties or Private Events?
Yes, you can use wedding DJ insurance for other events, including:
- Corporate parties
- Private events
- Festivals
- Birthday parties — and more!
Does Wedding DJ Insurance Cover the Theft of Digital Music Libraries or Media Files?
No, DJ insurance does not cover the theft of digital music libraries or media files.
However, our optional add-on cyber liability insurance for annual policies can cover data breaches that result in stolen customer data or sensitive information. It can pay most or all of your legal, data recovery, incident response, and IT support fees.
