DJ Equipment Insurance
Safeguard your essential gear with disc jockey (DJ) equipment insurance today!
What Is DJ Equipment Insurance?
Gear and Equipment Coverage, aka inland marine insurance, helps cover some or all of the repair or replacement costs if DJ essentials like speakers, headphones, or mixers get damaged or stolen.
This coverage even extends to gear you rent for gigs (such as speakers or fog machines).
If you offer photo booth services at weddings or events, this coverage protects that equipment, too!
Did you know? 90% of our claims come from damaged gear, and 60% of our customers choose Gear and Equipment Coverage!
Why Do I Need Insurance for DJ Equipment?
Inland marine insurance for DJs protects your gear and finances, so you’re not stuck paying out of pocket.
For instance, if a rowdy dancer bumps into your facade and knocks over a speaker or mixer, you may be scrambling to replace or repair them before your next gig. Gear and Equipment Coverage helps you pay to replace it.
When you protect your gear with DJ equipment insurance, you can save yourself a headache and ensure you’re ready for whatever comes your way.
What Does DJ Equipment Insurance Cover?
DJ equipment insurance covers your DJ, karaoke jockey (KJ), or video jockey (VJ) gear if it gets damaged or stolen. It also protects you from paying costly repair or replacement fees if your equipment gets damaged when commuting to a gig.
Want to learn more about the best gear for DJs? Check out the latest DJ industry trends for more insights and tips on boosting your business this year!
Can I Get Rented Equipment or Photo Booth Insurance?
Yes! Your Gear and Equipment policy covers your photo booth and rented gear! If you’re using gear that you rent but don’t own for your gigs (i.e., speakers, fog machines, or light displays), our inland marine insurance can cover you.
This coverage also protects photo booth equipment if your DJ packages also offer that service for weddings and events.
How Much Is DJ Equipment Insurance?
Insurance Canopy offers two different policy and pricing options for your equipment protection:
- $2,000 limit per year (+$7.50 / month)
- $5,000 limit per year (+$15 / month)
To get DJ equipment insurance, you need to have an annual policy, which starts at $18.50 per month.
Claims Could Cost You Thousands
But they don’t have to. With DJ insurance, you’ll have a safety net if something goes wrong.
Burned Out Subwoofers - $3,743
Damaged speakers and turntables on the way to a gig - $613
DJ equipment hit and damaged the venue doors - $850
Equipment set up left damages to a client's space - $416
How to Insure DJ Equipment
If you’re new to Insurance Canopy, simply select Gear and Equipment Coverage when filling out your online application.
Already have a policy? No problem. Adding DJ equipment insurance is as easy as 1-2-3:
2. Click “Add A Policy”
3. Add Gear and Equipment (aka inland marine insurance) and choose your limits
FAQs About Equipment and Gear Insurance for DJs
Does DJ Equipment Insurance Cover Theft or Damage During Transportation?
Yes, DJ equipment insurance covers theft or damage during transportation. For example, if your gear gets banged up in an accident while driving to a gig or your fog machine is stolen from your locked car, your insurance can pay to repair or replace it.
Learn more about our inland marine coverage and exclusions.
How Is the Value of My DJ Equipment Determined?
We determine the value of your DJ equipment by the lowest of these amounts:
- The cash value of the equipment
- The cost of restoring the property to the condition before the damage happened
- The cost of replacing your equipment with identical equipment
What Are Exclusions for Equipment Insurance?
- Earthquakes
- Government actions
- Volcanic action
- Flooding
- Dishonest acts
Equipment and personal property that is not covered by DJ equipment insurance include:
- Business accounts, bills, valuable papers, etc.
- Aircrafts or watercrafts
- Precious metal jewelry
- Living organisms
How Do I File a Claim for DJ Equipment Insurance?
Filing a claim for your DJ equipment insurance is as easy as setting up for your next set:
- If your gear was stolen, you must file a police report
- Gather all important documentation, such as receipts for the stolen equipment, your policy’s effective and expiration dates, and a copy of the incident report
- File a claim online by logging in to your dashboard, navigating to “Manage Policies” and “File a Claim”
Note: It can take 24 to 48 hours to process your claim and anywhere from a few weeks to a few months to resolve. Keep a copy of your claim and related documentation in a safe place.
Protect Your Career With Insurance Canopy’s Beat-Tastic DJ Equipment Insurance
Annual DJ insurance policies start at $18.50 per month — with so much going on at gigs, you can’t avoid every possible accident. Insurance for your DJ equipment can act as your safety net when things fall out of rhythm.
