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.
-
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
