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 ongoing policy starting at $16/month.
Protect
A single lawsuit could cost you thousands of dollars. Our "A+ rated" insurance helps manage your risk, so your DJ business stays on beat.
Perform
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?
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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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
