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DJ Insurance Cost

Understand what affects the price of your DJ liability insurance and equipment coverage, and how to manage your costs.
ANNUAL - MOST POPULAR

Starting from

$18.50

Per Month

365 Days of Coverage

1-3 DAY EVENT

As low as

$59

Per Event

3 Days of Liability Coverage

4.8/5

How Much Does DJ Liability Insurance Cost?

The cost of DJ liability insurance starts at $18.50/month for annual coverage and $59/event for three-day coverage. You can also add DJ gear and equipment coverage (aka Inland Marine) to your annual policy for $6-$12.50 per month, depending on the coverage you want.

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

+$6.00/month

$5,000 policy year

+$12.50/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

Annual Policy

$1-$50,000 Sales

From $18.50/month

$50,000-$100,000 Sales

From $24.33/month

Event Policy

From $59

How Much Does DJ Insurance Cost?

Annual DJ liability insurance pricing starts at $18.50 per month or $192 per year. Although this price might seem expensive, it’s worth it when considering how much money it can save you on claims and lawsuits.

For example, someone could trip over one of your cords or speakers and bruise their arm. They want to sue you to pay for thousands of dollars in medical bills.

How Much Does DJ Liability Insurance for Events Cost?

Event DJ insurance costs start at $59 per 1-3 day event. If you only perform at one or two events a year, this coverage is right for you. However, if you have numerous events, consider the annual DJ insurance price.

How Much Does DJ Gear and Equipment Insurance Cost?

We offer two different policy options and prices for this optional add-on DJ gear and equipment insurance:

  • $2,000 coverage per policy year (+$6/month)
  • $5,000 coverage per policy year (+$12.50/month)

When you increase per-year coverage amounts for gear and equipment, you also increase the monthly price of this add-on insurance. For example, if you increase your policy coverage to $5,000, the price of the policy will grow to $12.50 per month.

Note: DJ gear and equipment insurance is only available as an add-on with purchase of an annual policy.

Does Mobile DJ Insurance Cost More?

No matter what DJ you are (mobile, wedding, nightclub, Karaoke Jockey (KJ), or private), our DJ public liability insurance costs are static and inexpensive compared to the claims you could face without it.

Optional add-on gear and equipment insurance can cover the costs of stolen or damaged gear during one of your shows, giving you extra peace of mind so you can focus on your fire tracklist.

DJ at their home studio mixing on a pad.

Factors That Influence the Cost of Your DJ Insurance Policy and Premium

The factors below and the ways you choose to customize your policy can all affect the price of your insurance:

Event: Event mobile DJ insurance costs $59 per every 1-3 day event you perform at, which is great if DJing is your side hustle. You can add unlimited additional insureds to an event policy for a $10 fee.

Annual: If you’re a full-time DJ with numerous gigs in a year, the annual DJ public liability insurance costs are better for you in the long run. Plus, we have optional add-on coverage, such as:

  • Gear and equipment coverage (aka inland marine) $6–$12.50/month
  • Unlimited additional insureds for $10
You can increase coverage limits for gear and equipment insurance from $2,000 to $5,000 total liability aggregate. However, increasing the limits also increases the price of this insurance from $6+ to $12.50+ per month. You can also add excess liability coverage to your policy in increments of $1 million to increase the limits of your policy for an additional fee. This can be helpful if a venue requires that your general liability limits are higher than what is included in the base policy, for example.

If you’re an annual DJ insurance policy holder, you can customize your policy with additional coverages, such as:

  • Equipment and Gear Coverage: Protect your gear and equipment in the event of loss or damage during one of your gigs. Pay:
    • $2,000 coverage per policy year (additional $6 per month)
    • $5,000 coverage per policy year (additional $12.50 per month)
  • Cyber Liability Coverage: Save on expenses if hackers steal private client or venue information from your laptop for $8.25 per month.
  • Excess Liability Coverage: Add an extra $1 million in excess liability coverage for $29.17 per month (or $50 to a 1-3 day event policy).
Insurance Canopy’s DJ insurance costs are flexible to your business needs. If you rake in $1 to $50,000 in sales, your policy will start at $18.50 per month or $192 per year. If you make $50,000-$100,000 in sales, your plan starts at $24.33 per month or $299 per year.

Frequently Asked Questions (FAQs) About DJ Insurance Costs

DJ liability insurance covers claims of third-party medical injuries, property damage, false advertising, slander, and more. Add-on options include additional insureds, gear and protection coverage, and data breach insurance (cyber liability).

Yes. Most business venues and events you want to perform in will require you to provide a Certificate of Insurance (COI) to prove you have liability insurance. You can log into your dashboard, find your existing policy, and print your COI in a matter of seconds.

Insurance Canopy offers DJ liability insurance starting from $18.50 per month or $192 per year. If you only need coverage for 1-3 day events, our event policy starts from $59 per event.

The main difference between annual and event DJ insurance is event only covers you for 1-3 day events. Annual protects you all year long, plus you have the option of adding gear and equipment coverage for a small additional fee.

Both policies offer the same amount of general liability insurance coverage, and each caters to your specific DJing needs.

You're In Good Company With Insurance Canopy

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

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

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    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

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    April 7, 2024

    Easy to apply online, it take 5 mins and get your provf of Insurance.

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    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

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    April 4, 2024

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    April 2, 2024

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    April 2, 2024
  • It was fast and easy.

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    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

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    March 27, 2024

    Process was easy. Relevant information accessible. Platform is very user friendly.

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    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

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    March 26, 2024

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    February 1, 2024
  • quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael” Jobe
    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
  • 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
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DJ Liability Insurance

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