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.

Save

Do you DJ more than just a few shows a year? Canopy provides an annual policy starting at $18.50 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 $18.50 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

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:
Icon of person slipping on floor

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.

icon of DJ controller

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 (+$7.50/month)
  • $5,000 policy year (+$15/month)

Learn more about Equipment and Gear coverage for DJs.

icon of bandage

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.

icon of school building

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.

icon of disco ball

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.

icon of web browser with hook

Cyber Liability Coverage

Cyber crimes, hacking, and data breaches are real—and could happen to your business.

Add Cyber Liability to your policy if you store sensitive client information online, like payment methods, session records, or personal data.

Coverage Details Limits

Included

General Liability Aggregate Limit

$2,000,000

Products – Completed Operations Aggregate Limit

$2,000,000

Personal and Advertising Injury Limit

$1,000,000

General Each Occurrence Limit

$1,000,000

Damage to Premises Rented to You Limit (Any One Premises)

$300,000

Medical Expense Limit

$5,000

Additional Limits 

Equipment and Gear Coverage
$2,000 policy year

+$7.50/month

$5,000 policy year

+$15/month

Deductible

$250

Excess Liability Coverage ($1,000,000)

+$8.33/month

Cyber Liability Coverage ($100,000)

+$6.58/month

Unlimited Additional Insureds

+$10

Policy Pricing

$1-$50,000 Sales

From $18.50/month

$50,000-$100,000 Sales

From $24.33/month

Close-up of a DJ's hands adjusting the controls on a mixing console in a dimly lit setting, with colorful lights reflecting off the equipment.

You're In Good Company With Insurance Canopy

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

  • Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

    Paul McNeilly Avatar Paul McNeilly
    November 12, 2024

    Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024

    This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

    Vickie Sundgren Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024

    Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024

    Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024

    Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024

    Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024
  • She is positive and friendly !

    Alan Dynin Avatar Alan Dynin
    September 14, 2024

    Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024

    Affordable plan and very easy to access when I need it

    Angela Lobianco Avatar Angela Lobianco
    July 13, 2024
  • Always easy to use! Thank you!

    CahillandDelene Avatar CahillandDelene
    July 12, 2024

    Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well

    Rich Bonifazio Avatar Rich Bonifazio
    July 12, 2024

    I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More

    Angela Fischetti Avatar Angela Fischetti
    July 12, 2024
  • Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!

    Jamilyn Boze Avatar Jamilyn Boze
    July 5, 2024

    Always done very well for us. Highly recommended.

    Kenny Casanova Avatar Kenny Casanova
    July 5, 2024

    Nothing but positive things to say. Great company, have used them for years.

    Brandon Kennedy Avatar Brandon Kennedy
    July 5, 2024
  • I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More

    susanf Avatar susanf
    July 5, 2024

    quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael”
    April 8, 2024

    Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024
  • Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024

    I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024

    Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024
  • This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024

    It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024

    Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024
  • Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024

    I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!

    Aaron Copenhaguen Avatar Aaron Copenhaguen
    March 26, 2024

    The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024
  • Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

    Paul McNeilly Avatar Paul McNeilly
    November 12, 2024
  • Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024
  • This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

    Vickie Sundgren Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024
  • Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024
  • Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024
  • Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024
  • Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024
  • Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024

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.
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DJ Insurance

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