Business Insurance for DJs

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Disc Jockey
Dj on stage working a turn table.
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Along with many venues requiring liability insurance, it pays to carry coverage for theft of DJ gear and other common risks. DJ insurance offers the protection you need to keep the music going.

DJ on stage working a turn table.
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DJs can compare insurance quotes from top U.S. carriers online with Insureon. Fill out one application to receive multiple quotes.

What types of insurance do DJs need?

These policies cover the most common risks faced by disc jockeys.

Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance under one plan. A BOP is often one of the most cost-effective types of commercial insurance for DJs.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
General liability insurance icon

General liability insurance

This policy provides financial protection against basic third-party risks, such as a partygoer tripping over a DJ's equipment and suffering an injury.

  • Customer injuries
  • Customer property damage
  • Libel and slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy covers lawsuits related to the quality of your work, such as emcee services that fall short of a client’s expectations. DJs can often combine it with a BOP.

  • Errors and oversights
  • Accusations of poor work
  • Missed gigs
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for DJ businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

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.

  • Property damage caused by your vehicle
  • Bodily injuries from an auto accident
  • Vehicle theft and vandalism
Cyber liability insurance icon

Cyber liability insurance

Cyber liability insurance helps DJs recover from cyberattacks and data breaches that expose sensitive customer information, such as credit card numbers.

  • Notification of affected customers
  • Fraud monitoring services
  • Investigation of security flaws
Looking for different coverage? See more policies.

Why do DJs need insurance?

DJs set the mood for people to dance and enjoy themselves at parties, weddings, and other events. Because your business is mobile and you transport expensive equipment to various venues, it pays to have coverage. DJ insurance can cover your gear and the cost of lawsuits related to mistakes and accidents. It also fulfills requirements set by your venues and state laws.

How much does insurance cost for professional service businesses?

Business professional in a tie calculating the cost of insurance.

Several factors will have an impact on insurance costs, including:

  • Professional services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Disc Jockey