- Last Updated:
- 2/6/2025
- Khaleel Hayes
If you’re new to the DJ industry or only work three or four events a year, one-day DJ insurance may be the right fit for your business. It covers common claims — like slip-and-falls or property damage — so you and your business have the essential coverage without the commitment (or cost) of a long-term policy.
Quick Guide to One-Day DJ Insurance
We’re breaking down everything you need to know about one-day DJ insurance, so you can keep dropping beats with peace of mind.
How to Get a 1-Day DJ Certificate of Insurance
Most venue owners and event coordinators need proof of insurance, so we made getting your Certificate of Insurance (COI) a cakewalk.
You can get your COI as soon as you purchase your DJ event insurance. Just follow these three simple steps:
- Start a new one-day DJ insurance application
- Provide some basic business information
- Select the start date and purchase your policy
Once you complete your payment, you’ll have instant access to your COI via your dashboard!
What Does It Cover?
One-day DJ event insurance covers the common claims you may face, including:
- Third-party injury and property damage (i.e., trip-and-falls, damage to venues )
- Personal and advertising injury (i.e., libel, slander, defamation, false advertising)
- Damage to premises rented to you (i.e., an accidental fire in the studio you rent)
Who Does It Protect?
This coverage protects you when accidents happen on the job. If your business is found liable for a claim, DJ event insurance can absorb some or all of your financial responsibility.
Bonus: Your policy proves that you are trustworthy, boosting your reputation so you can continue to build and grow your DJ business.
One-day DJ insurance also protects venue owners and event organizers from liability. Most venues and events require proof of insurance and that you add them to your policy as an additional insured. This extends your coverage to them in the event of an accident.
For example, a guest has a severe allergic reaction caused by your fog machine and sues you and the venue for their medical bills. If you added the venue to your policy as an additional insured, it will cover both of you.
These benefits of short-term DJ insurance provide peace of mind for both you and your business partners, so you can focus on your gig instead of worrying about what could go wrong.
What Isn’t Covered?
Your one-day DJ liability Insurance only covers third-party injury claims that occur during the 1–3 days of your policy term. If an accident happens before or after your gig, it won’t be covered. Your insurance will also cap out at $1,000,000 per claim, so anything above that amount will be your financial responsibility.
Short-term policies only offer general liability, so things like your gear or cyber liability wouldn’t be covered. If you work more than a few gigs a year or you need extra insurance for your equipment, you can swap to an annual DJ insurance plan with monthly payments.
How Much Is DJ Insurance for One Day?
One-day DJ insurance costs $59 for a 1–3 day event — about the price of a laptop stand or equipment bags to protect your mixers and controllers.
Do you need coverage for more than a few days? Upgrade to an annual policy for as low as $18.50 per month.
FAQs About One-Time DJ Insurance
Why Do I Need Insurance for a One-Time Gig?
You need insurance for one-time gigs because accidents can happen anywhere. For example:
- A guest could trip over your equipment and sustain injuries.
- Your gear could scuff a venue’s stage or floor.
- Someone could file an invasion of privacy claim because you didn’t get their written permission to show them in your marketing.
Without insurance, you would have to pay for these claims out of pocket.
How Far in Advance Do You Need Event Insurance?
You can purchase your one-day DJ insurance policy on the same day of the event. As long as you buy your insurance before the gig starts, you’re covered. However, if the venue or coordinator requires a COI ahead of time, you may need to purchase and schedule your coverage when you sign your contract.
