Liability Insurance for DJs, VJs, & KJs
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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.
Do you DJ more than just a few shows a year? Canopy provides an ongoing policy starting at $16/month.
A single lawsuit could cost you thousands of dollars. Our "A+ rated" insurance helps manage your risk, so your DJ business stays on beat.
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.
What's Covered In DJ Insurance?
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.
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.
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.
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 item/$4,000 policy year (+$3.33 / month)
- $5,000 item/$10,000 policy year (+$5.00 / month)
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.
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.
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
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.
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.
Still doing your research?
Have questions for us?
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.
Can I Purchase DJ Equipment Insurance?
If you purchase a DJ insurance policy, you have the option to add DJ equipment coverage. DJ equipment insurance covers your DJ, KJ, or VJ gear or lighting equipment on and off premises and during transportation. If you are a DJ, KJ, or VJ who travels to various locations, adding DJ equipment insurance to your policy is necessary to protect the tools of your business.
Should your equipment – or the equipment you rent-be stolen or damaged, you could be looking at thousands of dollars to replace your gear.
There are two coverage options available to DJs depending upon the amount of equipment coverage you need.
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.