Business Insurance for DJs

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Disc Jockey
Dj on stage working a turn table.
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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.

DJ on stage working a turn table.
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Get same-day insurance

With Insureon, DJs can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of insurance do DJs need?

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

Business owner’s policy icon

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.

  • Slip-and-fall injuries
  • Accidental property damage at a venue
  • Stolen or damaged business equipment
General liability insurance icon

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.

  • Customer injuries
  • Customer property damage
  • Accidental copyright infringement
Professional liability insurance icon

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.

  • Incorrect songs on a playlist
  • Failure to fulfill the terms of a contract
  • 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
  • Disability benefits
  • Employee injury lawsuits
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 insurance icon

Cyber insurance

Cyber liability insurance helps DJs recover from cyberattacks and data breaches. It’s recommended for any small business that handles 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.

How much does insurance cost for professional service businesses?

Business professional in a tie calculating the cost of insurance.

A DJ who works independently will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Professional services offered
  • Business property and equipment
  • Business income
  • Types of insurance purchased, such as inland marine coverage for mobile equipment
  • Deductibles and other insurance options
View Costs

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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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