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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.
Get same-day insurance
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 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 DJ equipment 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 professional service insurance cost?
A DJ who works independently will pay less for insurance than a larger business.
Factors that affect professional service premiums include:
- Types of services offered
- Business equipment and gear
- Business income
- Types of insurance purchased, such as inland marine coverage for mobile equipment
- Deductibles and insurance options
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, whether you're a mobile DJ, club DJ, or radio DJ.
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