DJ Insurance

Customized Protection for Your DJ Business

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Simply Business is pleased to provide tailored insurance coverage from:

DJ Insurance That’s Made Just for You

You know how to get the party started - and that’s exactly why you’re an in-demand DJ! From weddings and parties to birthdays and dances, your business is definitely booming. That’s why it’s important to keep it protected with personalized business insurance from people who understand the exact kind of coverage you need.

That’s where we come in.

Simply Business can help you find and buy DJ insurance in just minutes, so you can get back to business faster. Plus, our DJ insurance policies are built around the needs of DJs like you, so you don’t have to worry if you have the right protection.

What Insurance Do DJs Need?

DJs spend a lot of time on different properties - like wedding venues and restaurants - so they’re exposed to risk for property damage and accidents. Plus, if a customer decides to sue you for negligence with your equipment or “ruining” their event, you’d have to pay for a lawyer out-of-pocket.

DJ insurance can cover all those risks, meaning you can focus on the music.

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General Liability Insurance for DJs

General liability insurance — which is sometimes referred to as commercial general liability (CGL) insurance — can cover the costs associated with accidents and property damage that happen on third-party sites. So for example, if your DJ equipment gets knocked over and it accidentally damages a venue’s wall, your general liability insurance may cover the costs of fixing the damage.

As a DJ, you’re probably spending most of your time on third-party sites. That’s why we recommend carrying general liability insurance, as it can provide you with crucial protection.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your property
  • Professional services
  • Workers compensation or injury to your employees
  • And more

Learn more about General Liability Insurance.

Professional Liability Insurance for DJs

Professional Liability insurance — which can sometimes be called errors and omissions (E&O) insurance — provides coverage in the event a customer accuses your DJ business of negligence. For example, if a customer claims that your microphone malfunctions ruined their wedding and they sue you, your professional liability insurance may cover resulting legal costs.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

Learn more about Professional Liability Insurance.

Workers Compensation Insurance for DJs

Do you have full-time or part-time employees? Or maybe subcontractors?

If so, you may need to take out a workers compensation insurance policy. If an employee gets sick or injured while working for you, this coverage can provide your DJ business with financial protection. Most states require businesses to carry this coverage as soon as you hire your first employee, so be sure to add it to your coverage.

Coverages include:

  • Medical Payments
  • Lost Wages
  • Rehabilitation expenses
  • Death Benefits

How Much Does DJ Insurance Cost?

While no DJs are alike, you can get a good idea for what you may pay for DJ insurance based on:

  • The number of employees and subcontractors who work for you
  • Your business location
  • The type of venues you work at
  • And more
  • Want to find out how much your DJ insurance may cost?

Click here to answer a couple of questions so we can help you learn how much you can expect to pay for your DJ insurance.

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