DJ Insurance
Liability Insurance for DJs, VJs, & KJs
- Manage Your Policy Online
- Easily File a Claim
- Download a Certificate of Insurance (COI) Instantly
- Dedicated Support Agents Ready to Help
Don’t need annual coverage? We offer 1-3 day coverage.
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Why Choose Insurance Canopy for DJ Insurance?
Save
Do you DJ more than just a few shows a year? Canopy provides an annual policy starting at $18.50 per month.
Protect
A single lawsuit could cost you thousands of dollars. Our comprehensive insurance helps manage your risk, so your DJ business stays on beat.
Perform
Be ready to show proof of insurance at any gig with a general liability policy you can buy online at any time.
What Is DJ Insurance?
DJ insurance helps provide financial protection from common claims including the cost of bodily injury, property damage, or loss of personal property.
Unfortunately, accidents happen, and as a DJ you face a unique set of risks that could be catastrophic for your business. With DJ insurance from Insurance Canopy, you’ll have coverage for general liability and damage to premises rented.
Why Should You Carry DJ Insurance?
As a DJ, you face liability risks that are unique to your industry, such as setting up and tearing down your equipment at shows. There is always a risk of damaging a venue or someone being injured by your equipment during these times.
Being insured means that when accidents happen, you are not left to pay the price alone. Financial peace of mind is a major benefit to carrying DJ insurance but there are many other reasons to get insured, such as:
- Liability insurance gives you a layer of defense against claims such as bodily injury or property damage.
- You can protect the equipment you bring with you to gigs and events against theft, damage, or loss with Inland Marine (commonly known as Equipment and Gear) coverage.
- Venues may require you to show proof of insurance before hiring you or allowing you to operate on their property and may require you to add them to your policy as an additional insured.
How Much Is DJ Insurance?
A basic general liability insurance policy starts at around $18.50 per month or $192 per year. The amount you pay depends on several factors, including whether you’ve added supplementary coverage options to your policy, the number of additional insureds you need to add, and your business’ annual revenue.
Can I Purchase DJ Equipment Insurance?
If you purchase an annual DJ insurance policy, you can add Equipment and Gear coverage to protect your DJ/KJ/VJ gear and/or lighting equipment on- and off-premises and during transportation. Should your equipment be stolen or damaged, you could be looking at thousands of dollars for replacements or repairs. If you are a mobile DJ, adding Equipment and Gear coverage to your policy is a must-have to safeguard your setup.
There are two coverage options available to DJs: up to $2,000 and up to $5,000 in policy protection. You can add Equipment and Gear insurance to your annual policy at any time. This coverage is not available to add to an event policy.
Claims Could Cost You Thousands
Luckily, they don’t have to! With DJ insurance, you’ll have the protection you need just in case something goes wrong. Get covered in minutes.
Burned out subwoofers - $3,743
Damaged speakers and turntables on the way to a gig - $613
Rain damaged audio and lighting equipment - $99
DJ equipment hit and damaged the venue doors - $850
Equipment set up left damages to a client's space - $416
What's Covered By DJ Insurance?
General Liability
Limit Per Policy: Our general liability and products-completed operations aggregate each have a $2,000,000 general aggregate limit, with a $1,000,000 occurrence limit.
General liability insurance for DJs covers claims from third-party injuries, property damage, advertising injuries, and more. This can protect you if you accidentally scratch the venue floor while setting up your mixing table, or if someone trips over your cords and injures themselves.
Equipment & Gear Coverage (Inland Marine Insurance)
Equipment and Gear is an optional coverage that protects your speakers, turntables, mixers, monitors, lights, etc. Not every carrier offers this coverage, but we understand how important these assets are to your business. We offer two options if you want to protect your DJ gear:
- $2,000 policy year (+$6.00/month)
- $5,000 policy year (+$12.50/month)
Personal & Advertising Injury
Limit Per Policy: $1,000,000
Not every event brings the house down, and that can be frustrating. If you get upset with an organization and slander their name, they may sue you for personal and advertising injuries. This coverage can protect you in that instance.
Damage to Premises Rented to You
Limit Per Policy: $300,000
While most of your performances will happen at different venues, you may decide to rent a building to do private DJ events. In these instances, our coverage for damage to premises rented to you can protect you if the show is a little too fun.
Additional Insureds
Unlimited additional insureds for just $10
Most venues and events want to be covered if they’re named as a defendant in lawsuits stemming from your shows. Our coverage allows you to add additional insureds during the application process or afterward in your user dashboard to satisfy their requirements.
Cyber Liability Coverage
Cyber crimes, hacking, and data breaches are real—and could happen to your business.
Add Cyber Liability to your policy if you store sensitive client information online, like payment methods, session records, or personal data.
Coverage Details Limits
Included
$2,000,000
$2,000,000
$1,000,000
$1,000,000
$300,000
$5,000
Additional Limits
+$6.00/month
+$12.50/month
$250
+$8.33/month
+$6.58/month
+$10
Policy Pricing
From $18.50/month
From $24.33/month
You're In Good Company With Insurance Canopy
Here's what some of our over 14,700 customers have to say about their experience.
-
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very 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, 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, 2024She 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, 2024 -
Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024Always 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, 2024 -
I 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, 2024Thank 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, 2024 -
Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024I 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, 2024 -
Received 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, 2024Easy 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, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024 -
Chat 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, 2024Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
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 -
I'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, 2024great experience so far, always able to reach a human representative on the phone!
New Groove
March 25, 2024Insurance Canopy gives me peace of mind for my practice.
Adriana Chacon
March 25, 2024 -
Very easy process to get peace of mind
Kristen Talusan
March 25, 2024Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.
Kate Whelan
March 25, 2024Super friendly service..
Kristina Strong
March 25, 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 -
She is positive and friendly !
Alan Dynin
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 -
Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Great 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, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024 -
I 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
DJ Insurance
Questions About DJ Insurance
Do I Need DJ Insurance?
Yes. As a DJ, you may be held liable if injuries, illnesses, or damages are caused by your business operations. For example, if a party attendee is injured from slipping on condensation caused by your fog machine, you could be held responsible. Claims from unfortunate incidents like these can easily wipe out your business and personal finances. With DJ insurance, you’ll have the protection you need just in case something goes wrong.
Do I Need a DJ Annual Policy or an Event Policy?
To fit your DJ business needs, Insurance Canopy provides two DJ policies: an annual policy and an event policy.
An annual policy is active for one year and designed for DJs who perform year-round or plan on DJing for several months at a time. An event policy is best suited for DJs who are playing one show or are playing at a weekend-long event. The show policy is active for up to three consecutive days. Gear and Equipment coverage is only available for the annual policy, not the event policy.
Learn more about each type of coverage to decide which is the best fit for you.
Do I Need DJ Insurance if I’m a Part-Time DJ?
Yes! Even if DJing is something you do on the side, you still face the same risks that full-time DJs do.
For DJs who only need insurance here and there, we recommend our event policy. This provides one to three days of coverage—perfect for purchasing for the occasional gig here and there.
Do You Offer Mobile DJ Insurance?
Both our annual and event policies can cover mobile DJs.
For the best coverage, we suggest purchasing the annual policy so you have the option to add Gear and Equipment coverage so you can protect the gear you take with you to events.
Your general liability policy covers third-party claims against you—when you cause damage to someone else’s property or injure someone due to negligence.
To keep your business running, purchase mobile DJ insurance and opt to add coverage for your gear today!
How Do I Add an Additional Insured?
What is a DJ Certificate of Insurance?
A DJ certificate of insurance details your coverages and limits, in addition to providing Insurance Canopy’s contact information. This is what you would present to a vendor, venue, promoter, or event organizer when they ask for proof of insurance before booking you. Insurance Canopy makes it easy to access this document—just go to your user dashboard and click “Download Certificate.”
What Equipment is Covered by Gear and Equipment Insurance?
Some examples of equipment covered by this policy are speakers, turntables, amplifiers, laptops, photo booths, cold spark machines, and more. If you want to know if a specific piece of your equipment will be covered, please give us a call at (844) 520-6993.
Does My Policy Cover Theft?
Choosing the right insurance is critical.
Need additional information before making a decision?
Give our team a call today at 844.520.6993.
DJ Insurance
Licensed Coast to Coast
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