DJ Insurance
Liability Insurance for DJs, VJs, & KJs
Get a policy in 10 minutes or less.
- Manage your policy with an online account
- Access necessary documents at any time
- Easily file a claim
- Create and download a Certificate of Insurance (COI) instantly
- Dedicated support agents ready to help
- Manage your policy with an online account
- Access necessary documents at any time
- Easily file a claim
- Create and download a Certificate of Insurance (COI) instantly
- Dedicated support agents ready to help
4.9/5 on
- Manage your policy with an online account
- Access necessary documents at any time
- Easily file a claim
- Create and download a Certificate of Insurance (COI) instantly
- Dedicated support agents ready to help
4.9/5 on
Don’t need annual coverage? We offer 1-3 day coverage.
Why Insurance Canopy for DJ Insurance?
Insurance Canopy provides low-cost “A+ rated” insurance for DJs, KJs, and VJs. With general liability and optional equipment coverage, our insurance covers most exposures associated with DJ professionals. We kick up the tempo of the insurance industry with affordable prices and tailored coverage to give DJs peace of mind.
Save
Do you DJ more than just a few shows a year? Canopy provides an ongoing policy starting at $16/month.
Protect
A single lawsuit could cost you thousands of dollars. Our "A+ rated" insurance helps manage your risk, so your DJ business stays on beat.
Perform
Be the DJ who's ready to take the gig with a general liability policy already in place to show hiring and event managers. Buy online 24/7 and be ready for the drop.
What Is DJ Insurance?
The day-to-day operations of your business opens you up to certain exposures that could affect your bottom line. DJ insurance helps provide financial protection, including the cost of bodily injury, property damage or loss of personal property.
With DJ insurance from Insurance Canopy, you’ll have coverage for general liability and damage to premises rented.
Why Should You Carry DJ Insurance?
- You may face some liability risks unique to DJs such as setting up shows, equipment, fog machines, or speakers.
- Venues may require you to show proof of insurance before hiring you or allowing you to operate on their property.
- Liability insurance gives you a layer of defense against claims such as bodily injury or property damage.
- Financial peace of mind.
- If you use your own equipment and you transport it to multiple locations, you will want to protect your equipment against theft, damage, or loss with inland marine coverage.
- Wedding venues, concert halls, and other places may require you to add them as an additional insured to your policy before allowing you to perform.
How Much Is DJ Insurance?
A basic general liability insurance policy starts at around $16/month. Also, there are supplementary coverage options that you may add to your policy. For example, you can name additional insureds to your policy or purchase additional equipment insurance coverage.
Can I Purchase DJ Equipment Insurance?
If you purchase an annual DJ insurance policy, you can add DJ equipment coverage also known as Inland Marine insurance. DJ equipment insurance covers your DJ, KJ, VJ gear, or lighting equipment on and off-premises and during transportation. If you travel to various locations, adding DJ equipment insurance to your policy is necessary to protect the tools of your business.
Should your equipment be stolen or damaged, you could be looking at thousands of dollars to replace your DJ gear. Inland Marine insurance protects the most important part of your business. Without your gear, running your DJ business would be near impossible. Save money and protect your equipment.
There are two coverage options available to DJs depending upon the amount of equipment coverage you need. Coverage options include up to $2K and $5K in policy protection and ranges in pricing per month. You can add equipment insurance to your DJ insurance policy at any time but it is important to note that you must have an annual policy in order to add equipment coverage.
Claims Could Cost You Thousands
But they don’t have to. With DJ insurance, you’ll have the protection you need just in case something goes wrong. Get covered in minutes.
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
What's Covered In DJ Insurance?
Coverage includes:
General Liability
Limit Per Policy: Our general liability and products completed operations aggregate each have a $2,000,000 general aggregate limit, with a $1,000,000 occurrence limit.
Equipment & Gear Coverage
(Inland Marine Insurance)
An optional coverage, Equipment and Gear coverage protects the key to making your sets a smashing success – your speakers, turntables, mixers, monitors, lights, etc. Not every carrier offers this coverage, but we understand how important these assets are to your business. We have two options if you want to protect your DJ gear:
- $2,000 policy year (+$6.00 / month)
- $5,000 policy year (+$12.50 / month)
Personal & Advertising Injury
Limit Per Policy: $1M
Not every event brings that house down, and that can be frustrating. If you get frustrated with an organization and slander their name, they may sue you for personal & advertising injuries. Our policy includes $1,000,000 in coverage for such an instance.
Damage to Premises Rented to You
Limit Per Policy: $300,000
While most of your performances will happen at different venues, you may decide to rent a building to do private DJ events. In these instances, our $300,000 coverage for damage to premises rented to you will protect you if the show is a little too fun.
Additional Insureds
Unlimited additional insureds for just $10
Most venues and events want to be covered if they’re named as a defendant in lawsuits stemming from your shows. Our coverage allows you to add additional insureds during the application or after in your user dashboard so you can satisfy their requirements. You can add unlimited additional insureds for just $10.
Coverage Details
General Liability Limits
The most your policy will pay for bodily injury and property damage claims occurring in the policies term that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay for bodily injury and property damage claims occurring in the policies term that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$2,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
The maximum amount paid per incident during the term of the policy.
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Pricing
$1-$50,000 Sales
From $16 / $192
$50,000 – $100,000 Sales
$24.33 / $292
Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure. A $250 deductible applies to this coverage.
+$6.00/ month
Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure. A $500 deductible applies to this coverage.
+$12.50/ month
Still doing your research?
Have questions for us?
DJ Insurance
Annual Policy: From $16/month – Choosing the right small business insurance is critical. Avoid gaps in your coverage that could risk the future of your business.
Questions About DJ Insurance
Do I Need DJ Insurance?
Yes. As a DJ, you may be held liable if injuries, illnesses, or damages are caused by your business operations. For example, if a party attendee is injured from slipping on condensation from your fog machine, you could be held responsible. Claims from unfortunate incidents like these can easily wipe out your business and personal finances. With DJ insurance, you’ll have the protection you need just in case something goes wrong.
Do You Need a DJ Event Policy or an Annual Policy?
To fit your DJ business needs, Insurance Canopy provides two DJ policies—an event policy and an annual policy. An event policy is best suited for DJs who are playing one show or are playing at a weekend-long event. The show policy is active for up to 3 consecutive days. An annual policy is active for one year and is designed for DJs who perform year-round or plan on DJing for several months at a time. Keep in mind that Tools & Equipment Coverage is not available for the event policy. To learn more about the two coverages, take a look at this blog, Do You Need a DJ Event Policy or DJ Annual Policy?
Do You Offer Mobile DJ Insurance?
Both our annual and event policies can cover mobile DJs.
For the best coverage, we suggest purchasing the annual policy that gives the option to add Tools & Equipment coverage. This coverage will extend protection to gear and equipment that you take with you when you travel to events. It is designed to cover damage or theft to your business’ property, even when you are performing on location.
Your general liability policy covers third-party claims against you—when you cause damage to someone else’s property or injure someone due to negligence.
To keep your business running, purchase mobile DJ insurance and opt to add coverage for your gear today!
Choosing the right insurance is critical.
Need additional information before making a decision?
Give our team a call today at 844.520.6993.
You're In Good Company With Insurance Canopy
Here's what some of our over 14,700 customers have to say about their experience.
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Very easy and efficient. It was just what I needed
Deborah West
February 27, 2023They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others.
Roberto Olivares
September 26, 2022Faith at Insurance Canopy is great to work with. She is very responsive and efficient with responses when requests are made and always with a positive attitude. She is... Read More
Todd McCabe
March 3, 2023 -
Exactly what I needed
Nichole Jackson
December 6, 2022I'm very happy to have found you guys for my business. The website is easy to navigate. The support service is excellent. Affordable prices for balloon artists and party entertainment... Read More
Blanca Mendoza
May 26, 2023Reliable, efficient and affordable! The new online form was quick and simple, it took me less than 15 minutes to complete. They are also very quick on answering any... Read More
Elena Azama
May 26, 2023 -
I'm excited excellent price
Edgar roberto Lobos
February 20, 2023Very Easy and affordable
barber fire
March 4, 2023I have been djing for over a decade, but just started my dj business this year. Getting insurance was something I was dreading, but Ins Canopy made the process so... Read More
Mike V (Dj Mike Cartel)
September 26, 2022 -
The lady patiently help me out through the proces. I think her name is Stephanie. She stayed on the phone until I was done. My whole hearted thanks to... Read More
Robert Lesaca
July 26, 2022I got the coverage I needed. The coverage wasn’t extravagant in price and I was able to add an additional insured. Thanks for the great service.
ShoMoDjs DJ and Audio Visual Services
January 6, 2023Simple and easy on line process and I saved money compared to a large nationally known insurer
Bill Ladwig
January 6, 2023 -
Web site was very clear and easy to use
Ken Reilly
January 6, 2023Wonderful quick and easy!
shani files
December 6, 2022Super easy, easy to understand and a great price.
Alan Browning
September 26, 2022 -
Good insurance! Quick!
Ariana Hadavi
October 19, 2022Chat rep was knowledgeable and professional and website was easy to navigate and apply for business insurance.
Matt R
July 26, 2022Service rep was very knowledgeable very helpful and got the job done for what I needed Immediately . Can't say enough about Hi service
Clifford Lo Sasso
January 6, 2023 -
Fast Great Reasonable Coverage Price!!!! Very helpful to all who needs insurance right away and to any type of business who has to comply with proof of insurance. it's... Read More
John Togado
December 6, 2022Easy purchase… very clear description of service and options.
Apex Entertainment Group Chris Stout
June 21, 2023Great site to work with.
Patti Lee
June 5, 2023 -
Beta use only // easy, great… unbelievably easy to add and remove and insured and uninsured… almost too easy so thank you dad
kayla ciruzzi
May 26, 2023Was in a jam. Needed the insurance for a gig coming up and the process was sooo simple! The coverage is exactly what they were looking for and we are... Read More
joe barton
October 12, 2022Easy to sign up. Got my insurance emailed to me within minutes. Thank you!
Jason Lavea
June 12, 2023 -
You can't beat the price and once I called in, the guy I spoke with told me everything I needed to know and I was signed up within minutes. Amazing!!!
Michele Gibson
July 26, 2022Easy to sign up and great customer service!
Maureen Davis
February 6, 2023It was easy to fill the forms out online and all the information
Melissa Prado
August 26, 2022 -
Great rates and so easy to sign up!
Liz Atkinson
January 6, 2023This was a very easy process of purchasing DJ insurance, I mostly like the affordable reasonable rates.
Jeffrey “Jay jay” C
June 19, 2023Very helpful agents! Will definitely recommend to all my industry friends!
Entertainment Labs
May 26, 2023
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Easy peezy
Tom Razin
September 26, 2022 -
Beta use only // easy, great… unbelievably easy to add and remove and insured and uninsured… almost too easy so thank you dad
kayla ciruzzi
May 26, 2023 -
I am so pleased to have found "Insurance Canopy" to handle my business insurance. Karen M. was extremely knowledgeable, courteous and timely in getting me the proper insurances. ... Read More
Ed B.
May 29, 2023 -
Very helpful agents! Will definitely recommend to all my industry friends!
Entertainment Labs
May 26, 2023 -
Very easy to quote and bind! Excellent price for the coverage.
Matt Forneris
August 26, 2022 -
I’ve been looking for the right insurance company. And I’ve found it ! Awesome prices and great coverage plans. Thank you !!
Javier Valderrama Jr (BeastMode_Cyclist_Javy)
August 26, 2022 -
Service rep was very knowledgeable very helpful and got the job done for what I needed Immediately . Can't say enough about Hi service
Clifford Lo Sasso
January 6, 2023 -
Awesome fast and easy process ? in minutes!!
PAUL Velez
July 26, 2022 -
Very easy process. Stefani stayed on the phone and walked me through the process. Took about 5 minutes and my group was insured. Excellent service.
Robert Stewart
June 26, 2022 -
You can't beat the price and once I called in, the guy I spoke with told me everything I needed to know and I was signed up within minutes. Amazing!!!
Michele Gibson
July 26, 2022
DJ Insurance
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