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DJ Insurance

Liability Insurance for DJs, VJs, & KJs

4.8/5

Why Choose Insurance Canopy for DJ Insurance?

Insurance Canopy provides low-cost “A+ rated” insurance for disc jockeys (DJs), karaoke jockeys (KJs), and video jockeys (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.

What Is DJ Insurance?

DJ insurance helps provide financial protection from common claims including the cost of bodily injury, property damage, or loss of personal property.

Unfortunately, accidents happen, and as a DJ you face a unique set of risks that could be catastrophic for your business. With DJ insurance from Insurance Canopy, you’ll have coverage for general liability and damage to premises rented.

Why Should You Carry DJ Insurance?

As a DJ, you face liability risks that are unique to your industry, such as setting up and tearing down your equipment at shows. There is always a risk of damaging a venue or someone being injured by your equipment during these times.

Being insured means that when accidents happen, you are not left to pay the price alone.  Financial peace of mind is a major benefit to carrying DJ insurance but there are many other reasons to get insured, such as:

  • Liability insurance gives you a layer of defense against claims such as bodily injury or property damage.
  • You can protect the equipment you bring with you to gigs and events against theft, damage, or loss with Inland Marine (commonly known as Equipment and Gear) coverage. 
  • Venues may require you to show proof of insurance before hiring you or allowing you to operate on their property and may require you to add them to your policy as an additional insured.

How Much Is DJ Insurance?

A basic general liability insurance policy starts at around $16 per month or $192 per year. The amount you pay depends on several factors, including whether you’ve added supplementary coverage options to your policy, the number of additional insureds you need to add, and your business’ annual revenue.

Can I Purchase DJ Equipment Insurance?

If you purchase an annual DJ insurance policy, you can add Equipment and Gear coverage to protect your DJ/KJ/VJ gear and/or lighting equipment on- and off-premises and during transportation. Should your equipment be stolen or damaged, you could be looking at thousands of dollars for replacements or repairs. If you are a mobile DJ, adding Equipment and Gear coverage to your policy is a must-have to safeguard your setup.

There are two coverage options available to DJs: up to $2,000 and up to $5,000 in policy protection. You can add Equipment and Gear insurance to your annual policy at any time. This coverage is not available to add to an event policy.

Backed by
Great American Insurance Group logo

Claims Could Cost You Thousands

Luckily, 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

Rain damaged audio and lighting equipment - $99

DJ equipment hit and damaged the venue doors - $850

Equipment set up left damages to a client's space - $416

Actual claim amounts paid

What's Covered By DJ Insurance?

Insurance Canopy’s DJ liability insurance lets you drop the beat with peace of mind.

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.
General liability insurance for DJs covers claims from third-party injuries, property damage, advertising injuries, and more. This can protect you if you accidentally scratch the venue floor while setting up your mixing table, or if someone trips over your cords and injures themselves.
a microphone icon

Equipment & Gear Coverage
(Inland Marine Insurance)

Equipment and Gear is an optional coverage that protects 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 offer two options if you want to protect your DJ gear:

  • $2,000 policy year (+$6.00/month)
  • $5,000 policy year (+$12.50/month)


Learn more about Equipment and Gear coverage for DJs.

a music note icon.

Personal & Advertising Injury

Limit Per Policy: $1,000,000

Not every event brings the house down, and that can be frustrating. If you get upset with an organization and slander their name, they may sue you for personal and advertising injuries. This coverage can protect you in that instance.
a city building icon.

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 coverage for damage to premises rented to you can protect you if the show is a little too fun.
party logo

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 process or afterward in your user dashboard to satisfy their requirements.

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
Female DJ using equipment

DJ Insurance

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

Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

You're In Good Company With Insurance Canopy

Here's what some of our over 14,700 customers have to say about their experience.

  • So far this company has been great. Answered my questions promptly and got a quote promptly.

    Natalie Thompson Avatar Natalie Thompson
    October 12, 2022

    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. Avatar Ed B.
    May 29, 2023

    Quick easy to understand and reasonable. Detailed instructions and easy to ise. Canopy did it all for my team

    Kappa Xi Avatar Kappa Xi
    September 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) Avatar Javier Valderrama Jr (BeastMode_Cyclist_Javy)
    August 26, 2022

    Chat rep was knowledgeable and professional and website was easy to navigate and apply for business insurance.

    Matt R Avatar Matt R
    July 26, 2022

    The only company I use for event insurance! The best!

    Susie Shortt Avatar Susie Shortt
    October 5, 2022
  • Quick and easy insurance for my mobile DJ business.

    Burton Nuse Avatar Burton Nuse
    October 19, 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 Avatar Robert Lesaca
    July 26, 2022

    Wonderful quick and easy!

    shani files Avatar shani files
    December 6, 2022
  • Your insurance provisions work perfectly for me. No overhead or long term contracts and I'm able to pass along the cost to my clients. Thanks!?

    Gary Morton Avatar Gary Morton
    July 26, 2022

    Customer service and experience was great. Appreciate the patience and knowledge. Thank you.

    justelement T Avatar justelement T
    May 26, 2023

    Very easy and efficient. It was just what I needed

    Deborah West Avatar Deborah West
    February 27, 2023
  • I'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 Avatar Blanca Mendoza
    May 26, 2023

    I 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) Avatar Mike V (Dj Mike Cartel)
    September 26, 2022

    Very easy to obtain a policy

    John Faughey Avatar John Faughey
    December 6, 2022
  • Great rates and so easy to sign up!

    Liz Atkinson Avatar Liz Atkinson
    January 6, 2023

    Incredibly user-friendly set up. Super impressed with the ease of purchasing my policy. Great!

    Tim Cunningham Avatar Tim Cunningham
    June 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 Avatar Clifford Lo Sasso
    January 6, 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 Avatar kayla ciruzzi
    May 26, 2023

    The process to apply for insurance was very easy and I appreciated how smooth it went. However, I didn’t like auto renew without my permission. I’m 69 and... Read More

    Regina Nowak Avatar Regina Nowak
    May 26, 2023

    Exactly what I needed

    Nichole Jackson Avatar Nichole Jackson
    December 6, 2022
  • Very easy to quote and bind! Excellent price for the coverage.

    Matt Forneris Avatar Matt Forneris
    August 26, 2022

    Very helpful agents! Will definitely recommend to all my industry friends!

    Entertainment Labs Avatar Entertainment Labs
    May 26, 2023

    It didn’t start out so smooth but Jamal was helpful getting my additional insured added

    Grog Avatar Grog
    June 12, 2023
  • Easy to use and reasonably priced

    Doug Mickan Avatar Doug Mickan
    June 19, 2023

    Quick and easy service! A++

    H Peaks Avatar H Peaks
    May 29, 2023

    Easy to set up And good price! I did shop around and found this company took me 20 minutes to get everything done ...got a custome made Liquor Liability insurance... Read More

    Carlos Aguirre Avatar Carlos Aguirre
    June 26, 2022
  • I had the best experience because I spoke with an agent Stephanie Davis that was truly knowledgeable and very patient with me to walk me through the entire process.... I... Read More

    Cabbage Avatar Cabbage
    August 26, 2022

    Great service

    lamonte hatch Avatar lamonte hatch
    August 26, 2022

    Good insurance! Quick!

    Ariana Hadavi Avatar Ariana Hadavi
    October 19, 2022
  • Very easy and efficient. It was just what I needed

    Deborah West Avatar Deborah West
    February 27, 2023
  • Rates were very competitive and I had great help when I called with questions. The application was fast and easy to fill out online. I haven’t had to file a... Read More

    Katie Gustafson Avatar Katie Gustafson
    August 26, 2022
  • Faith 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 Avatar Todd McCabe
    March 3, 2023
  • I 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 Avatar ShoMoDjs DJ and Audio Visual Services
    January 6, 2023
  • 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 Avatar 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 Avatar John Togado
    December 6, 2022
  • Excellent online experience, clean, clear instructions. At the right price too.

    Malcom Massey Avatar Malcom Massey
    September 26, 2022
  • Quick and painless way to get insured

    Jay Foster Avatar Jay Foster
    February 20, 2023
  • Wonderful quick and easy!

    shani files Avatar shani files
    December 6, 2022
  • Great site to work with.

    Patti Lee Avatar Patti Lee
    June 5, 2023
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DJ Insurance

Licensed in All 50 States​

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