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.

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.

Backed by
Great American Insurance Group logo

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:

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.
a microphone icon

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)


Learn more about Equipment and Gear coverage for DJs.

a music note icon.

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.
a city building icon.

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.
party logo

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.

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.

+$6.00/month

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.

+$12.50/month
Female DJ using equipment

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.

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!!

    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

    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

    Getting insurance is the best thing a fitness professional can do to protect themselves. I feel better knowing Canopy has got my back. Simple and easy to sign up.

    Herman Hildo Avatar Herman Hildo
    March 25, 2024
  • I Am tremendously grateful for the help I received in getting the right understanding of what policy was best to fit my needs! Thank U Canopy and Staff

    Darron Hines Avatar Darron Hines
    March 25, 2024

    Super friendly service..

    Kristina Strong Avatar Kristina Strong
    March 25, 2024

    I was concerned that I wouldn't find a company that could check all the boxes on our coverage wishlist. It only took one quick call and my questions were answered.... Read More

    Greg Hoover Avatar Greg Hoover
    March 25, 2024
  • Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.

    Kate Whelan Avatar Kate Whelan
    March 25, 2024

    Very easy process to get peace of mind

    Kristen Talusan Avatar Kristen Talusan
    March 25, 2024

    great experience so far, always able to reach a human representative on the phone!

    New Groove Avatar New Groove
    March 25, 2024
  • Insurance Canopy gives me peace of mind for my practice.

    Adriana Chacon Avatar Adriana Chacon
    March 25, 2024

    Great service, affordable insurance, easy to work with.

    Roland Cache Avatar Roland Cache
    March 18, 2024

    The wait was way too long, however it was worth it. The representative that helped me was knowledgeable, patient, and reassuring.

    susan fletcher Avatar susan fletcher
    March 11, 2024
  • Fast procedure with clear price options. Did everything in less than 5 minutes

    Ron Geraci Avatar Ron Geraci
    March 11, 2024

    If you are in the entertainment business this is the best and most easiest insurance to use.

    Dance Smith Productions Avatar Dance Smith Productions
    March 1, 2024

    Very easy set up for a policy and friendly conversation with on line and customer support

    Vito n/a Avatar Vito n/a
    March 1, 2024
  • Site easy to navigate, good price, good customer service.

    Yosie Coronel Avatar Yosie Coronel
    March 1, 2024

    Process went very well. Best price and able to add a secondary insured.

    Jacque Avatar Jacque
    March 1, 2024

    Renewal of policy was smooth and didn't have to do a thing! Excellent customer support! Will refer family and friends. Thank you Insurance Canopy!

    Ram Seetharam Avatar Ram Seetharam
    March 1, 2024
  • Insurance Canopy has some issues when navigating the website. However, they have reasonable rates and seemingly good coverage. I’ve never had to file a claim. So I will make a... Read More

    Gabriel Sherry Avatar Gabriel Sherry
    March 1, 2024

    We have worked extensively with Faith Ortiz and each time it has been a pleasure! Faith is efficient, incredibly knowledgeable, and a joy to work with. Even in situations with... Read More

    Andrew Bawdon Avatar Andrew Bawdon
    February 1, 2024

    Faith has been working with us for a while now and consistently goes out of her way to help us find a solution. We greatly appreciate all her and her... Read More

    Jaimee Gomez Avatar Jaimee Gomez
    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 Insurance

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