DJ insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$8.13
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$8.13
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need DJ Insurance?
As a DJ, you set the tone of the event and make sure that everyone has a great time. You make selecting the perfect playlist look easy, and always keep the energy up. As fun as your job can be, it’s still a business that you’ve worked hard to build. At Simply Business, we’re here to help you protect what you’ve created so that you can keep the party going for years to come.
Below are some of the most common types of insurance policies that DJs carry to stay protected.
What Type of DJ Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$8.13
/month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/mon*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Types of DJ Insurance Do I Need?
If your expertise is more in mixers and turntables, not claims and premiums, not to worry. You don’t have to be an expert in DJ liability insurance to reap the benefits. To learn more about the coverage you may need, we have the info on three types of insurance for your business right here.
General Liability Insurance
Do you have a go-to track that’s good for all sorts of situations and audiences? General liability insurance is a little bit like that. This jack-of-all-trades insurance policy covers bodily injury, property damage, and third-party accidents. These “third-party” accidents refer to your clients or vendors. Considering that the average claim for property damage or accidents in small businesses is $30,000, liability insurance is definitely worth considering.
DJ equipment insurance, also known as contents coverage, is another must-have. This type of policy is added to your general liability insurance and protects your equipment. The cost of even a basic DJ setup can add up quickly, and contents coverage can help offset the cost of your gear if it is stolen.
We understand that insurance can feel a bit abstract. Want an example of when DJ insurance could come in handy? Imagine you’re getting set up for your next gig when you step outside to take a phone call. While you’re away from your booth, someone trips over your electric cords, and a speaker goes crashing to the floor. In the commotion, your client also cuts their arm on the falling speakers. They need stitches, and you need a new speaker.
Without general liability insurance, you might have to pay the medical bill and buy a new speaker out of pocket. You’d have to pay the bills one way or another, even if it means tapping into your family’s finances or taking out a loan. However, a general liability policy would typically help cover the costs. Paying a monthly premium for insurance could make or break your business in case of an accident.
So what does general liability insurance usually cover in your DJ business? Here’s a recap:
- Third-party property damage (aka clients or vendors)
- Bodily injury
- Medical expenses
- Personal and advertising injury
- And more
General liability insurance usually does not cover:
- Personal property damage
- Professional services
- Employee injury and workers compensation
- Damage to your work
- Motor vehicles during business use
- Intentional injury or damage
- And more
Professional Liability Insurance
You may have heard of doctors and surgeons carrying professional liability insurance, but did you know it’s useful for other businesses too? When you work an event, you’re offering a professional service. A client can sue you for negligence and damages, even if you don’t agree with the claim. In fact, professional liability insurance covers you in case a client claims that you, your employees, or your business were negligent.
What could “negligence” mean for you, though? Imagine you’re DJing at a wedding reception and everyone is having a great time. The event is a success, and you go on your way thinking everything is fine. Then you get handed a lawsuit by a wedding guest who claims you had the music so loud that it caused permanent hearing loss. Even if you have sufficient proof to claim your actions weren’t negligent, you will still incur legal fees.
Professional liability insurance would cover these costs. An uninsured DJ would have to pay the settlement out of pocket, but your professional liability insurance policy typically would offset legal fees and settlements.
Let’s review the scenarios that professional liability insurance usually covers:
- Negligence or alleged negligence
- Legal defense costs
- Claims involving libel and/or slander
- Copyright infringement
- Claims and damages
- And more
Life coach professional liability insurance typically does not cover:
- Intentional negligence
- Bodily injury
- Property damage
- False advertising
- Employment matters
- Patents and trade secrets
- And more
Workers Compensation Insurance
Having too much demand to handle by yourself is a great problem to have, and one that may lead to your hiring employees. If you hire a part-time or full-time employee, you’ll probably need workers compensation insurance. Most of the time, workers comp insurance is required if you have employees. This type of insurance covers medical bills, lost wages, and legal costs associated with an employee who gets sick or hurt on the job.
The reality is that every workplace has the potential to lead to employee injuries. Across all businesses, there’s an annual recorded workplace injury rate of 2.8 accidents per 100 full-time employees, and the average cost of workers comp claims is $40,051. While employee injuries will hopefully be few and far between in your business, the price of a single accident is enough to make workers compensation insurance worth it.
Workers compensation insurance for DJs may cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should You Get a DJ Insurance Policy?
an happen to anyone at any time. Forty-three percent of small business owners have reported being threatened with or involved in a civil lawsuit. There’s no need to stress about what may or may not happen, though. If you want to gain peace of mind in your business, you should get DJ liability insurance. Investing a little bit each month can mean the difference between an accident being an inconvenience or a potentially business-ending event.
It’s understandable if you’re reluctant to sign up for an additional monthly cost. The good news is that you don’t need to choose a one-size-fits-all insurance policy that goes above your needs and budget. Your policy premiums are based on the types of services you provide, where you’re located, how many employees you have, your annual revenue, and more. You can answer a few questions here to get a tailored estimate.
The average costs small business owners are exposed to without insurance include:
- $30,000 for property damage or accident claims
- $39,000 for work injury claims
- $50,000 for reputational harm claims (e.g., slander or libel)
- $20,000 for a client slip-and-fall case
What’s tough is that you don’t necessarily have to do something wrong to be faced with high costs as an uninsured business owner. You could be the best DJ in town, but if a single dissatisfied client thinks you were negligent, they could sue you. At a minimum, you’ll incur legal fees, even in scenarios where you’re able to prove you weren’t negligent.
Insurance isn’t just for the bad times, either. Having DJ business insurance comes with a lot of potential perks, including being able to:
- Rent out a room or space for your business
- Convince other people to work with you
- Earn a client’s confidence
- And more!
You’ll receive a certificate of insurance (COI) when you buy your policy through Simply Business, which you can use to provide proof of coverage.
What Does DJ Insurance Cost
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Answers to More DJ Insurance Coverage Questions
Each state makes its own laws about small business insurance, but it’s common for general liability insurance to be required for DJs. Your free quote considers your location and lets you know what requirements apply to you. If you want to learn more about your state’s requirements, our licensed agents can go over the details with you. No matter where you live, you’ll probably need workers compensation coverage if you have employees.
Business owners can deduct premiums from their business income when filing taxes. However, we always recommend talking to an accountant if you want more information about your state’s tax laws.
Understandably, you don’t want to pay for more coverage than you need. The level of insurance that’s right for you depends on:
- The size of your business
- Your business’s location
- Your annual revenue
- And more
Our quote process takes all of this information into account to provide the recommended coverage. You can also talk to our licensed agents if you have additional questions.
Having business information handy makes the quote process even faster. Before you start looking for insurance, you should have the following info at hand:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Small business insurance requirements, including DJ insurance policies, are decided at the state level. Our quote process and licensed insurance agents have that information already, so you don’t necessarily need to look it up before starting the insurance process with us.
A comprehensive insurance product — one that includes general liability, professional liability, and workers compensation — can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Unintentional mistakes
- And more
Each business is unique, so every insurance policy is custom-created. Premium prices depend on your services and whether or not you have employees. Pricing is also affected by:
- Payroll estimates
- The location of your business
- The specific services you offer
- And more
Want to see how much your DJ liability insurance may cost? All you have to do is answer a few questions here to get free quotes and compare policy prices.
If you’re a multi-talented business owner, our licensed agents can work with you to find the right protection for all of your services.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
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Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
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It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
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Owner of Room to Breathe Professional Organizing
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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