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
4.8/5 on
Why Choose Insurance Canopy for DJ Liability Insurance?
Insurance Canopy provides low-cost, A+ rated insurance to protect you from common claims that DJs face. Whether a wedding guest trips on a cord or you accidentally scratch the venue’s floors, you can keep dropping tracks with peace of mind.
Want to safeguard your speakers, mics, and turntables? You can customize your annual policy with Gear and Equipment Coverage, so you don’t have to pay out-of-pocket to replace or repair damaged or stolen equipment.
When you have us watching your back, you can kick up the tempo instead of worrying about what could go wrong.
Save
Get annual coverage for all your gigs starting at just $18.50/month.
Protect
Safeguard your business with comprehensive coverage designed just for DJs like you.
Perform
Access your COI at any time via your online dashboard so you can provide proof of insurance for every gig you book.
What Is DJ Insurance?
DJ insurance provides essential coverage for entertainers. It includes general liability, which responds to third-party bodily injuries and property damage. This coverage also covers unexpected expenses like medical bills, legal fees, and false advertising claims.
Your DJ insurance saves you from paying out of pocket if you face situations like these:
- One of the staff members helps carry some of your heavy equipment and injures their back. They sue you for their medical bills and loss of income
- While setting up your DJ station in a nightclub, your gear scuffs and damages the floor. The venue demands you pay for repairs
- After your performance, you discover that someone broke into your car and stole some of your gear. You need to replace it ASAP for your next gig
Get coverage for your equipment against damage or theft — whether you’re spinning at a gig or traveling to your next show. Don’t pay out of pocket for claims like these:
- While driving to your gig across town, you’re rear-ended, and all of your gear is damaged
- You’re playing an outside gig, and a giant gust of wind knocks over and damages one of your speakers
Why Should You Carry DJ Insurance?
A single claim can cost thousands of dollars. Most DJ businesses can’t afford that! DJ insurance covers unexpected expenses, so you don’t have to pay on your own.
On top of protecting your business, you need disc jockey insurance to book gigs. Event planners and venues often require vendors to provide proof of insurance before signing a contract. With an annual policy, your COI is ready to go all year long — and it’s well worth the investment.
How Much Is DJ Insurance?
Our DJ liability insurance policy starts at around $18.50 per month or $192 per year. Your final cost of DJ insurance depends on several factors, including add-on coverage (like Gear and Equipment or Cyber Liability), the number of additional insureds you need, and your annual revenue.
Can I Purchase DJ Equipment Insurance?
Yes! You can add Gear and Equipment Coverage to your policy to protect essential items like turntables, mixers, and speakers. You can’t DJ without your equipment, so why risk losing out on gigs due to theft or accidental damage?
Insurance Canopy offers two levels of DJ equipment insurance for annual policyholders:
- $2,000 of coverage for $7.50/month
- $5,000 of coverage for $15/month
For about the cost of your music streaming subscription, you’ll be prepared for everything from clumsy stagehands to enthusiastic moshers.
What's Covered By DJ Insurance?
Insurance Canopy’s DJ liability insurance lets you drop the beat with peace of mind. Coverage includes:
General Liability
Aggregate Limit: $2,000,000
Occurrence Limit: $1,000,000
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)
Limit Per Policy: $2,000 / $5,000
Equipment and Gear is an optional add-on that protects your speakers, turntables, mixers, monitors, lights, and other essential items. If your gear gets damaged or stolen, this coverage can pay to get it repaired or replaced.
Personal & Advertising Injury
Limit Per Policy: $1,000,000
Personal and advertising injury insurance covers claims involving defamation, false advertising, or copyright infringement. Insurance Canopy can cover the cost of legal fees and damages if your DJ business is sued.
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 anytime during the policy period via the online dashboard.
Cyber Liability Coverage
Limit Per Policy: $100,000
If your business uses digital recordkeeping, online payments, or any other electronic tools, you could be vulnerable to issues like data breaches and ransomware. Cyber liability insurance can cover claims related to cybercrime.
Excess Liability
Additional Policy Limit: $1,000,000
Sometimes, general liability claims can exceed your available limits. If claims drain your limits, you’re stuck paying for the remaining amount of the claim on your own. Our annual policy offers an additional $1 million in coverage for a nominal fee, providing an extra layer of protection.
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
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.
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being 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 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 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 -
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 Jr
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, 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, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Protect Your Business With DJ Liability Insurance From Insurance Canopy
Questions About DJ Insurance
Do I Need DJ Insurance?
If you work as a DJ, VJ, or KJ, you need liability insurance. You can be held liable if your business operations cause injuries, illnesses, or damages, and a single claim can be financially devastating. With DJ insurance, you have the protection you need in case of an accident.
Do I Need a DJ Annual Policy or an Event Policy?
If you book multiple gigs, an annual policy offers the best coverage and value. Not only do you save money with an annual policy, but you also have year-round coverage and the option to add extras, like Gear and Equipment and Cyber Liability.
Do I Need DJ Insurance if I’m a Part-Time DJ?
Yes! Even if you only DJ as a side gig, you still face the same risks as a full-timer. A claim could also be more detrimental to a part-time DJ, eating up all or more of your profits from working a few jobs a month. Luckily, insurance can absorb some or all of the cost of an unexpected claim.
Do You Offer Mobile DJ Insurance?
Both our annual and event policies provide coverage for mobile DJs. To keep your business running, purchase mobile DJ insurance and opt to add coverage for your gear today!
Learn more about how mobile DJ insurance can boost your business!
How Do I Add an Additional Insured?
You can add an additional insured to your policy when you purchase your policy or anytime after via the online dashboard. With an Insurance Canopy policy, there is no limit to the number of additional insureds you can include.
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. Vendors, venues, promoters, or event organizers may require you to provide this as proof of insurance before booking.
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?
Equipment and gear insurance (also called “inland marine”) covers the moveable items and tools you need for your business if they’re accidentally damaged or stolen. This can include:
- Speakers
- Turntables
- Amplifiers
- Laptops
- Photo booths
Does My Policy Cover Theft?
If you add Gear and Equipment Coverage to your annual policy, you have coverage for stolen property. The theft must be verifiable, and you must have a police report for the stolen items to be covered. Mysterious disappearance, unexplained loss, and theft by employees do not qualify.
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
Related Articles
9 Best Band Business Cards [Examples & Ideas]
You can’t market your music business through digital tools alone. Tangible items also
What Types of Entertainers Need Liability Insurance?
You may be asking, “I’m just a performer. Why do I need insurance?”
Tips on How to Become a Comedian
Interested in becoming a stand-up comedian? Find top tips for launching your career
