DJ Insurance
Liability Insurance for DJs, VJs, & KJs
- Manage Your Policy Online
- Easily File a Claim
- Download a Certificate of Insurance (COI) Instantly
- Dedicated Support Agents Ready to Help
Don’t need annual coverage? We offer 1-3 day coverage.
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.
Save
Do you DJ more than just a few shows a year? Canopy provides an annual policy starting at $16 per month.
Protect
A single lawsuit could cost you thousands of dollars. Our comprehensive insurance helps manage your risk, so your DJ business stays on beat.
Perform
Be ready to show proof of insurance at any gig with a general liability policy you can buy online at any time.
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.
Claims Could Cost You Thousands
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
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)
Personal & Advertising Injury
Limit Per Policy: $1,000,000
Damage to Premises Rented to You
Limit Per Policy: $300,000
Additional Insureds
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.
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.
DJ Insurance
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 caused by 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 I Need a DJ Annual Policy or an Event Policy?
To fit your DJ business needs, Insurance Canopy provides two DJ policies: an annual policy and an event policy.
An annual policy is active for one year and designed for DJs who perform year-round or plan on DJing for several months at a time. 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 three consecutive days. Gear and Equipment coverage is only available for the annual policy, not the event policy.
Learn more about each type of coverage to decide which is the best fit for you.
Do I Need DJ Insurance if I’m a Part-Time DJ?
Yes! Even if DJing is something you do on the side, you still face the same risks that full-time DJs do.
For DJs who only need insurance here and there, we recommend our event policy. This provides one to three days of coverage—perfect for purchasing for the occasional gig here and there.
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 so you have the option to add Gear and Equipment coverage so you can protect the gear you take with you to events.
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!
How Do I Add an Additional Insured?
What is a DJ Certificate of Insurance?
A DJ certificate of insurance details your coverages and limits, in addition to providing Insurance Canopy’s contact information. This is what you would present to a vendor, venue, promoter, or event organizer when they ask for proof of insurance before booking you. Insurance Canopy makes it easy to access this document—just go to your user dashboard and click “Download Certificate.”
What Equipment is Covered by Gear and Equipment Insurance?
Some examples of equipment covered by this policy are speakers, turntables, amplifiers, laptops, photo booths, cold spark machines, and more. If you want to know if a specific piece of your equipment will be covered, please give us a call at (844) 520-6993.
Does My Policy Cover Theft?
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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So far this company has been great. Answered my questions promptly and got a quote promptly.
October 12, 2022I 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 Prior to finding them I had spent many wasted hours talking with ordinary "customer service" reps at other online companies who just gave me the runaround. I am very fortunate to have found "Insurance Canopy". Karen is a bona fide "insurance agent" opposed to just a "customer service" rep. She can actually explain the details of business insurances, unlike the others. I highly recommend this company. Thank you Karen! Sincerely, Edward B.
May 29, 2023Quick easy to understand and reasonable. Detailed instructions and easy to ise. Canopy did it all for my team
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 !!
August 26, 2022Chat rep was knowledgeable and professional and website was easy to navigate and apply for business insurance.
July 26, 2022The only company I use for event insurance! The best!
October 5, 2022 -
Quick and easy insurance for my mobile DJ business.
October 19, 2022The 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 her.
July 26, 2022Wonderful quick and easy!
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!?
July 26, 2022Customer service and experience was great. Appreciate the patience and knowledge. Thank you.
May 26, 2023Very easy and efficient. It was just what I needed
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 professionals.🎈
May 26, 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 easy. I had a lil difficulty with the application and was helped right away. I got my policy seconds after purchase. My only regret is that I didn't purchase an annual policy, which I will be doing next month. Hopefully there is a discount! 😉
September 26, 2022Very easy to obtain a policy
December 6, 2022 -
Great rates and so easy to sign up!
January 6, 2023Incredibly user-friendly set up. Super impressed with the ease of purchasing my policy. Great!
June 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
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
May 26, 2023The 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 I don’t know what I’ll be doing next year so please unroll me from auto renew. Other than that I liked the simplicity of the online application.
May 26, 2023Exactly what I needed
December 6, 2022 -
Very easy to quote and bind! Excellent price for the coverage.
August 26, 2022Very helpful agents! Will definitely recommend to all my industry friends!
May 26, 2023It didn’t start out so smooth but Jamal was helpful getting my additional insured added
June 12, 2023 -
Easy to use and reasonably priced
June 19, 2023Quick and easy service! A++
May 29, 2023Easy 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 Anual plan
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 would recommend insurance canopy to all my family and friends
August 26, 2022Great service
August 26, 2022Good insurance! Quick!
October 19, 2022
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Very easy and efficient. It was just what I needed
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 claim, but so far so good!
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 great to work with!
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.
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
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 simple straightforward application available online. I would highly recommend this insurance.
December 6, 2022 -
Excellent online experience, clean, clear instructions. At the right price too.
September 26, 2022 -
Quick and painless way to get insured
February 20, 2023 -
Wonderful quick and easy!
December 6, 2022 -
Great site to work with.
June 5, 2023