Business Insurance for DJs

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Disc Jockey

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Save money by comparing insurance quotes for DJs

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.

Compare quotes from trusted U.S. carriers

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

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.

BEST FOR

Customer injuries
Damaged customer property
Damaged business property

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.

BEST FOR

Customer injuries
Customer property damage
Libel and slander lawsuits

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.

BEST FOR

Errors and oversights
Accusations of poor work
Missed gigs

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.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

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 liability insurance

Cyber liability insurance helps DJs recover from cyberattacks and data breaches that expose 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.

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

View Costs

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant