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Why do DJs need insurance?
DJs transport valuable equipment to events, which opens them to risk. Business insurance covers the cost of replacing a stolen turntable or mixer. It covers property damage and theft, medical bills, legal fees, and helps you comply with state laws and venue requirements.
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With Insureon, DJs can get liability and equipment insurance coverage the same day they apply for quotes.
Fill out our easy online application to compare business insurance quotes from top-rated insurance companies.
What types of insurance do DJs need?
These insurance policies cover the most common risks faced by disc jockeys.
Business owner’s policy
A BOP bundles general liability coverage and commercial property insurance in one plan. It's one of the most cost-effective types of commercial insurance for a DJ.
BEST FOR
- Client slip-and-fall injuries
- Accidental property damage at a venue
- Stolen or damaged business equipment
General liability insurance
This DJ liability insurance provides financial protection against basic third-party risks, such as a partygoer tripping over a DJ's equipment and suffering an injury.
BEST FOR
- Customer injuries
- Customer property damage
- Accidental copyright infringement
Professional liability insurance
This policy covers lawsuits related to the quality of your work, such as failing to show up for a performance on time. Professional DJs can often combine it with a BOP.
BEST FOR
- Incorrect songs on a playlist
- Failure to fulfill the terms of a contract
- Missed gigs
Workers’ compensation insurance
Most states require workers' comp insurance for DJ businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers financial losses when a DJ's vehicle is involved in an accident. It's required for vehicles registered to a business.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber insurance helps DJs recover from cyberattacks and data breaches. It’s recommended for any business that handles sensitive customer information, such as credit card numbers.
BEST FOR
- Notification of affected customers
- Fraud monitoring services
- Investigation of security flaws
Looking for different coverage? See more policies.
How much does DJ insurance cost?
A DJ who works independently will pay less for insurance than a larger business.
Factors that affect DJ insurance premiums during underwriting include:
- Types of services offered
- Business equipment and gear
- Business income
- Types of insurance purchased, such as inland marine coverage for DJ equipment insurance
- Deductibles and policy limits
- Other insurance options, such as endorsements and exclusions
How do I get DJ insurance policies?
It's easy to get DJ business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download proof of insurance.
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your business and get peace of mind, whether you're a mobile DJ, club DJ, or radio DJ.
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FAQs about business insurance for DJs
Take a look at answers to frequently asked questions (FAQs) about what DJ insurance covers and more.
Can DJs get insurance for their equipment when traveling or performing at different venues?
Yes, DJs can protect their gear while traveling or performing at different venues with specialized equipment coverage. This coverage is called inland marine insurance, or sometimes equipment insurance. These policies cover movable business property wherever it goes—not just at a single location.
Equipment coverage can help pay to repair or replace items if they’re stolen, lost, or damaged in transit, at an event, or while being stored temporarily. This is especially valuable for DJing professionals who frequently transport expensive gear between venues.
Covered equipment may include:
- Speakers, subwoofers, and PA systems
- Mixers, controllers, and turntables
- Microphones and headphones
- Lighting systems, lasers, and visual effects equipment
- Laptops, tablets, and music storage devices
- Cables, stands, and accessories
- Rented or borrowed sound and lighting equipment (if included in the policy)
Standard property coverage often only protects equipment at a fixed business address, so inland marine or equipment insurance helps fill the gap by covering gear on the road and at event locations. This ensures DJs can operate confidently, knowing their essential equipment is protected wherever their work takes them.
Can I get DJ insurance for a one-time event or a short period?
DJs can buy special event insurance or short-term DJ insurance to cover a short period of performances or one-time event. This coverage typically includes general liability insurance, which can help pay for medical bills, property damage, or legal costs if an accident happens during your event.
This type of coverage is useful for one-time or occasional events, such as weddings, private parties, corporate events, festivals or guest performances.
However, there are several reasons to opt for year-round coverage instead:
- It's expensive to stop and start coverage. DJs who cancel their policies may see increased premiums or have difficulty restarting coverage, as it's a red flag for insurers.
- It may cost more in the long run. Going without insurance leaves you exposed to costly risks. For example, a storage unit could catch fire and destroy your disc jockey equipment while you're uninsured.
- Some policies won't provide coverage. Occurrence-based policies like general liability continue to cover incidents that happened when you were insured, but that's not the case for claims-made policies like professional liability insurance, which differ in several ways. For protection against lawsuits filed after an event occurs, you'll need to keep your professional liability coverage active.
Do venues require DJs to have certain coverage limits?
Many venues require DJs to carry a general liability policy with specific coverage limits before allowing them to perform. A common requirement is $1 million per occurrence and $2 million aggregate, though exact policy limits vary depending on the venue and event.
Venues typically ask DJs to provide a certificate of insurance (COI) as proof of coverage. This document shows your policy details, coverage limits, and effective dates.
In some cases, the venue may also request to be listed as an additional insured on your policy. This extends your liability coverage to the venue for claims related to your work, such as property damage or injuries caused during your setup or performance.
Having the proper coverage and policy documents ready can help you meet venue insurance requirements, secure more bookings, and demonstrate professionalism to clients and event organizers.
What is the difference between general liability and professional liability insurance for DJs?
General liability insurance and professional liability insurance cover different types of risks DJs may face.
General liability covers accidents that cause bodily injury or property damage. For example, it can help pay for costs if:
- A guest trips over your cables and gets injured
- You accidentally damage the venue during setup
- Your equipment damages someone else’s property
Professional liability, also called errors and omissions (E&O) insurance, covers claims related to your DJ services. For example, it can help if a client claims you:
- Didn’t show up for an event
- Played the wrong music or didn’t follow instructions
- Made a mistake that caused financial loss
Many DJs choose to carry both policies. General liability covers physical accidents, while professional liability covers service-related claims, giving your business more complete protection.