DJ Insurance Cost
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How Much Does DJ Liability Insurance Cost?
The cost of DJ liability insurance starts at $18.50/month for annual coverage and $59/event for three-day coverage. You can also add DJ gear and equipment coverage (aka Inland Marine) to your annual policy for $7.50-$15 per month, depending on the coverage you want.
Coverage Details Limits
Included
$2,000,000
$2,000,000
$1,000,000
$1,000,000
$300,000
$5,000
Additional Limits
+$7.50/month
+$15/month
$250
+$8.33/month
+$6.58/month
+$10
Policy Pricing
Annual Policy
From $18.50/month
From $24.33/month
Event Policy
From $59
How Much Does DJ Insurance Cost?
Annual DJ liability insurance pricing starts at $18.50 per month or $192 per year. Although this price might seem expensive, it’s worth it when considering how much money it can save you on claims and lawsuits.
For example, someone could trip over one of your cords or speakers and bruise their arm. They want to sue you to pay for thousands of dollars in medical bills.
How Much Does DJ Liability Insurance for Events Cost?
Event DJ insurance costs start at $59 per 1-3 day event. If you only perform at one or two events a year, this coverage is right for you. However, if you have numerous events, consider the annual DJ insurance price.
How Much Does DJ Gear and Equipment Insurance Cost?
We offer two different policy options and prices for this optional add-on DJ gear and equipment insurance:
- $2,000 coverage per policy year (+$7.50/month)
- $5,000 coverage per policy year (+$15/month)
When you increase per-year coverage amounts for gear and equipment, you also increase the monthly price of this add-on insurance. For example, if you increase your policy coverage to $5,000, the price of the policy will grow to $15 per month.
Note: DJ gear and equipment insurance is only available as an add-on with purchase of an annual policy.
Does Mobile DJ Insurance Cost More?
No matter what DJ you are (mobile, wedding, nightclub, Karaoke Jockey (KJ), or private), our DJ public liability insurance costs are static and inexpensive compared to the claims you could face without it.
Optional add-on gear and equipment insurance can cover the costs of stolen or damaged gear during one of your shows, giving you extra peace of mind so you can focus on your fire tracklist.
Factors That Influence the Cost of Your DJ Insurance Policy and Premium
The factors below and the ways you choose to customize your policy can all affect the price of your insurance:
The Type of Policy You Choose
Event: Event mobile DJ insurance costs $59 per every 1-3 day event you perform at, which is great if DJing is your side hustle. You can add unlimited additional insureds to an event policy for a $10 fee.
Annual: If you’re a full-time DJ with numerous gigs in a year, the annual DJ public liability insurance costs are better for you in the long run. Plus, we have optional add-on coverage, such as:
- Gear and equipment coverage (aka inland marine) $7.50–$15/month
- Unlimited additional insureds for $10
The Coverage Limits You Need
You can increase coverage limits for gear and equipment insurance from $2,000 to $5,000 total liability aggregate. However, increasing the limits also increases the price of this insurance from $7.50+ to $15+ per month.
You can also add excess liability coverage to your policy in increments of $1 million to increase the limits of your policy for an additional fee. This can be helpful if a venue requires that your general liability limits are higher than what is included in the base policy, for example.
Additional Coverage You Want
If you’re an annual DJ insurance policy holder, you can customize your policy with additional coverages, such as:
- Equipment and Gear Coverage: Protect your gear and equipment in the event of loss or damage during one of your gigs. Pay:
- $2,000 coverage per policy year (additional $7.50 per month)
- $5,000 coverage per policy year (additional $15 per month)
- Cyber Liability Coverage: Save on expenses if hackers steal private client or venue information from your laptop for $8.25 per month.
- Excess Liability Coverage: Add an extra $1 million in excess liability coverage for $29.17 per month (or $50 to a 1-3 day event policy).
The Size of Your Business
Frequently Asked Questions (FAQs) About DJ Insurance Costs
What Does DJ Liability Insurance Cover?
DJ liability insurance covers claims of third-party medical injuries, property damage, false advertising, slander, and more. Add-on options include additional insureds, gear and protection coverage, and data breach insurance (cyber liability).
Do DJs Need a Certificate of Insurance (COI)?
Yes. Most business venues and events you want to perform in will require you to provide a Certificate of Insurance (COI) to prove you have liability insurance. You can log into your dashboard, find your existing policy, and print your COI in a matter of seconds.
How Much Does Public Liability Insurance Cost for a DJ?
Insurance Canopy offers DJ liability insurance starting from $18.50 per month or $192 per year. If you only need coverage for 1-3 day events, our event policy starts from $59 per event.
What’s the Difference Between Annual and Event DJ Insurance?
The main difference between annual and event DJ insurance is event only covers you for 1-3 day events. Annual protects you all year long, plus you have the option of adding gear and equipment coverage for a small additional fee.
Both policies offer the same amount of general liability insurance coverage, and each caters to your specific DJing needs.
You're In Good Company With Insurance Canopy
Here's what some of our over 14,700 customers have to say about their experience.
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Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
She is positive and friendly !
Alan Dynin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael”
April 8, 2024Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert Caudle
April 7, 2024 -
Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia Boroczk
April 4, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaney
March 27, 2024 -
Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024
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Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024 -
Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024
