844.520.6993

DJ Insurance

Liability Insurance for DJs, VJs, & KJs

4.8/5

Why Choose Insurance Canopy for DJ Liability Insurance?

Insurance Canopy provides low-cost, A+ rated insurance to protect you from common claims that DJs face. Whether a wedding guest trips on a cord or you accidentally scratch the venue’s floors, you can keep dropping tracks with peace of mind.

Want to safeguard your speakers, mics, and turntables? You can customize your annual policy with Gear and Equipment Coverage, so you don’t have to pay out-of-pocket to replace or repair damaged or stolen equipment.

When you have us watching your back, you can kick up the tempo instead of worrying about what could go wrong.

Save

Get annual coverage for all your gigs starting at just $18.50/month.

Protect

Safeguard your business with comprehensive coverage designed just for DJs like you.

Perform

Access your COI at any time via your online dashboard so you can provide proof of insurance for every gig you book.

What Is DJ Insurance?

DJ insurance provides essential coverage for entertainers. It includes general liability, which responds to third-party bodily injuries and property damage. This coverage also covers unexpected expenses like medical bills, legal fees, and false advertising claims.

Your DJ insurance saves you from paying out of pocket if you face situations like these:

  • One of the staff members helps carry some of your heavy equipment and injures their back. They sue you for their medical bills and loss of income
  • While setting up your DJ station in a nightclub, your gear scuffs and damages the floor. The venue demands you pay for repairs
  • After your performance, you discover that someone broke into your car and stole some of your gear. You need to replace it ASAP for your next gig


Get coverage for your equipment against damage or theft — whether you’re spinning at a gig or traveling to your next show. Don’t pay out of pocket for claims like these:

  • While driving to your gig across town, you’re rear-ended, and all of your gear is damaged
  • You’re playing an outside gig, and a giant gust of wind knocks over and damages one of your speakers

Why Should You Carry DJ Insurance?

A single claim can cost thousands of dollars. Most DJ businesses can’t afford that! DJ insurance covers unexpected expenses, so you don’t have to pay on your own.

On top of protecting your business, you need disc jockey insurance to book gigs. Event planners and venues often require vendors to provide proof of insurance before signing a contract. With an annual policy, your COI is ready to go all year long — and it’s well worth the investment.

How Much Is DJ Insurance?

Our DJ liability insurance policy starts at around $18.50 per month or $199 per year. Your final cost of DJ insurance depends on several factors, including add-on coverage (like Gear and Equipment or Cyber Liability), the number of additional insureds you need, and your annual revenue.

Can I Purchase DJ Equipment Insurance?

Yes! You can add Gear and Equipment Coverage to your policy to protect essential items like turntables, mixers, and speakers. You can’t DJ without your equipment, so why risk losing out on gigs due to theft or accidental damage?

Did you know? 90% of our claims come from damaged gear, and 60% of our customers choose Gear and Equipment Coverage!

Insurance Canopy offers two levels of DJ equipment insurance for annual policyholders:

  • $2,000 of coverage for $7.50/month
  • $5,000 of coverage for $15/month


For about the cost of your music streaming subscription, you’ll be prepared for everything from clumsy stagehands to enthusiastic moshers.

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

Aggregate Limit: $2,000,000
Occurrence Limit: $1,000,000

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)

Limit Per Policy: $2,000 / $5,000

Equipment and Gear is an optional add-on that protects your speakers, turntables, mixers, monitors, lights, and other essential items. If your gear gets damaged or stolen, this coverage can pay to get it repaired or replaced.

icon of bandage

Personal & Advertising Injury

Limit Per Policy: $1,000,000

Personal and advertising injury insurance covers claims involving defamation, false advertising, or copyright infringement. Insurance Canopy can cover the cost of legal fees and damages if your DJ business is sued.

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 anytime during the policy period via the online dashboard.

icon of web browser with hook

Cyber Liability Coverage

Limit Per Policy: $100,000

If your business uses digital recordkeeping, online payments, or any other electronic tools, you could be vulnerable to issues like data breaches and ransomware. Cyber liability insurance can cover claims related to cybercrime.

icon of school building

Excess Liability

Additional Policy Limit: $1,000,000

Sometimes, general liability claims can exceed your available limits. If claims drain your limits, you’re stuck paying for the remaining amount of the claim on your own. Our annual policy offers an additional $1 million in coverage for a nominal fee, providing an extra layer of protection.

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.

  • Thank you so much

    Steve Monreal Avatar 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 Avatar Jamie Calaway
    July 4, 2025

    Very easy & quick experience. We got insurance in no time with no hassle. Thank you!

    Robert Earnest Avatar Robert Earnest
    July 4, 2025
  • I 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 Avatar Deloris Pacheco
    June 27, 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 Avatar Gretje Angell
    June 18, 2025

    What 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 Avatar Masha Rusanov
    June 18, 2025
  • Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend

    Jay Solis Avatar Jay Solis
    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 Avatar Michael Riley
    June 18, 2025

    Would 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 Avatar Anthony Burgess
    June 18, 2025
  • Representative 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 Avatar queenkiam
    June 18, 2025

    Very easy to renew policy

    Elyce Nissinoff Avatar Elyce Nissinoff
    June 18, 2025

    They can help.you with the right Insurance you need, and the lowest price

    Alvaro Baltazar Avatar Alvaro Baltazar
    May 18, 2025
  • Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.

    David Fox Avatar David Fox
    May 18, 2025

    Affordable for dance & yoga folk. Thumbs up!

    Maia Claire Avatar Maia Claire
    May 18, 2025

    Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!

    Ishan Arvin Avatar Ishan Arvin
    May 18, 2025
  • everything is excellent

    Radames Martinez Avatar Radames Martinez
    May 18, 2025

    I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More

    Matthew Terry Avatar Matthew Terry
    April 18, 2025

    For me, this application process was super efficient and easy to navigate on line. That goes a long way!

    Holly Mulder Avatar Holly Mulder
    April 18, 2025
  • Affordable. Thank you.

    Ana Young Avatar Ana Young
    April 18, 2025

    I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More

    John Corkins Avatar John Corkins
    March 18, 2025

    Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧

    DjVic Universal Sounds Avatar DjVic Universal Sounds
    March 18, 2025
  • I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!

    Denice Lapointe Avatar Denice Lapointe
    February 18, 2025

    Great for Event Insurance - most affordable

    Gaby Nobrega Avatar Gaby Nobrega
    February 18, 2025

    I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More

    ESPIE QUINTERO Avatar ESPIE QUINTERO
    February 18, 2025
  • TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.

    Tenisha J. Avatar Tenisha J.
    February 4, 2025

    Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.

    Ed Levitt Avatar Ed Levitt
    February 3, 2025

    As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More

    Kristie Williams Avatar Kristie Williams
    January 30, 2025
  • This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.

    Tony Felix Avatar Tony Felix
    January 23, 2025

    Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.

    John B Avatar John B
    January 16, 2025

    I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More

    jay gedeon Avatar jay gedeon
    January 6, 2025
  • Thank you so much

    Steve Monreal Avatar Steve Monreal
    July 11, 2025
  • Very easy & quick experience. We got insurance in no time with no hassle. Thank you!

    Robert Earnest Avatar Robert Earnest
    July 4, 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 Avatar Jamie Calaway
    July 4, 2025
  • I 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 Avatar Deloris Pacheco
    June 27, 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 Avatar Gretje Angell
    June 18, 2025
  • Representative 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 Avatar queenkiam
    June 18, 2025
  • What 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 Avatar Masha Rusanov
    June 18, 2025
  • Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend

    Jay Solis Avatar Jay Solis
    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 Avatar Michael Riley
    June 18, 2025
  • Would 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 Avatar Anthony Burgess
    June 18, 2025

Protect Your Business With DJ Liability Insurance From Insurance Canopy

Your job is to pump up the crowd and keep people on their feet, not worry about what could go wrong during your gigs. We’re here to provide a financial safety net while you keep the party going.

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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