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844.520.6993

DJ Insurance

Liability Insurance for DJs, VJs, & KJs

Get a policy in 10 minutes or less.

STARTING AT

$16

per month, or $192/year
  • 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
STARTING AT

$16

per month, or $192/year
  • 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
4.8/5
  • 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
4.8/5

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.

Backed by
Great American Insurance Group logo

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.

Get a quote today

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.

Get a quote today

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.

Get a quote today

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. 

Get a quote today

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

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

What's Covered In DJ Insurance?

Insurance Canopy’s DJ liability insurance lets you drop the beats 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. 

Accidents can happen while you perform your set. General liability insurance for DJ’s covers claims from third-party injuries, property damage, advertising injury, and more. It’d protect you if you accidentally scratch the venue floor while setting up your mixing table. Or, during your set someone might come up to request a song and trip over your cords, resulting in an injury. Products completed operations aggregate, offered within our general liability policy, covers this instance.
a microphone icon

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)


Learn more about Equipment and Gear coverage for DJs.

a music note icon.

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. 

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 $300,000 coverage for damage to premises rented to you will 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 or after in your user dashboard so you can satisfy their requirements. You can add unlimited additional insureds for just $10.

DJ mixing

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

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.

  • Very easy and efficient. It was just what I needed

    Deborah West Avatar Deborah West
    February 27, 2023

    They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others.

    Roberto Olivares Avatar Roberto Olivares
    September 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
  • Exactly what I needed

    Nichole Jackson Avatar Nichole Jackson
    December 6, 2022

    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

    Reliable, 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 Avatar Elena Azama
    May 26, 2023
  • I'm excited excellent price

    Edgar roberto Lobos Avatar Edgar roberto Lobos
    February 20, 2023

    Very Easy and affordable

    barber fire Avatar barber fire
    March 4, 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
  • 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

    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

    Simple and easy on line process and I saved money compared to a large nationally known insurer

    Bill Ladwig Avatar Bill Ladwig
    January 6, 2023
  • Web site was very clear and easy to use

    Ken Reilly Avatar Ken Reilly
    January 6, 2023

    Wonderful quick and easy!

    shani files Avatar shani files
    December 6, 2022

    Super easy, easy to understand and a great price.

    Alan Browning Avatar Alan Browning
    September 26, 2022
  • Good insurance! Quick!

    Ariana Hadavi Avatar Ariana Hadavi
    October 19, 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

    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

    Easy purchase… very clear description of service and options.

    Apex Entertainment Group Chris Stout Avatar Apex Entertainment Group Chris Stout
    June 21, 2023

    Great site to work with.

    Patti Lee Avatar 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 Avatar kayla ciruzzi
    May 26, 2023

    Was 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 Avatar joe barton
    October 12, 2022

    Easy to sign up. Got my insurance emailed to me within minutes. Thank you!

    Jason Lavea Avatar 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 Avatar Michele Gibson
    July 26, 2022

    Easy to sign up and great customer service!

    Maureen Davis Avatar Maureen Davis
    February 6, 2023

    It was easy to fill the forms out online and all the information

    Melissa Prado Avatar Melissa Prado
    August 26, 2022
  • Great rates and so easy to sign up!

    Liz Atkinson Avatar Liz Atkinson
    January 6, 2023

    This was a very easy process of purchasing DJ insurance, I mostly like the affordable reasonable rates.

    Jeffrey “Jay jay” C Avatar Jeffrey “Jay jay” C
    June 19, 2023

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

    Entertainment Labs Avatar Entertainment Labs
    May 26, 2023
  • Easy peezy

    Tom Razin Avatar 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 Avatar 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. Avatar Ed B.
    May 29, 2023
  • Very helpful agents! Will definitely recommend to all my industry friends!

    Entertainment Labs Avatar Entertainment Labs
    May 26, 2023
  • Very easy to quote and bind! Excellent price for the coverage.

    Matt Forneris Avatar 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) Avatar 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 Avatar Clifford Lo Sasso
    January 6, 2023
  • Awesome fast and easy process ? in minutes!!

    PAUL Velez Avatar 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 Avatar 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 Avatar Michele Gibson
    July 26, 2022
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DJ Insurance

Licensed in All 50 States​

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