What is DJ Insurance? And How Much Does it Cost?

Insurance for disc jockeys (DJs) is not a policy. This term covers all policies that protect DJs from business losses due to expensive equipment, interactions with guests and hosts, as well as any other potential loss. DJ liability insurance can cost between $180 and $450 per month, depending on the carrier.

Simply business makes it easy to get DJ insurance. You get primary coverages such as general liability, professional liability, errors and omissions. It will help you locate affordable, tailor-made insurance options through top insurance providers such as Markel, CNA and Hiscox. You can get started online in just minutes.

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How DJ Insurance Works

DJ insurance refers to the various policies DJs, VJs, and KJs need to protect their business risks. Because of the nature of DJs, VJs, or KJs’ work, as well as their frequent travels to different events, it is not surprising that they need insurance. business owner’s policy (BOP) is a must for most DJs. BOPs combine general liability insurance with commercial property insurance to cover DJs for their most common issues: lawsuits against third parties and damage to their equipment.

The DJ insurance policies are basically a mix of policies that can cause DJs to lose their money. DJs can’t make money if they don’t have access to their equipment so they need coverage for commercial property. General liability insurance is also essential, as DJs are susceptible to being sued by partygoers and venue owners.


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Because DJs travel between venues, they are also at risk. This may mean that DJs need to have commercial auto insurance, as well as inland marine insurance for their equipment while it is in transit.


Tip: DJs should have liability insurance, regardless of whether they are booked regularly or only for a handful of jobs per year. They can protect their assets by covering medical bills and legal fees if they are held responsible for property damage or physical injury.


DJ Insurance Prices

No two DJs are exactly the same. Neither are all DJ liability policies. The type of events you perform at, the number of bookings you make each year and your income will all impact how much you pay for DJ liability insurance. For DJ liability insurance, a DJ who performs primarily at private events will pay about $260 per year.

Many insurers provide coverage for much shorter periods of time. For DJs who book private events, a three-day policy can be as low as $60. These policies can be offered as special-event coverage .

DJ Insurance Costs and Deductibles by Policy Term

Insurance policy Annual Premium Deductible
General Liability

$1 Million Occurrence/$2 million Aggregate

From $180 to $450 From $0 to $1,000
Commercial Property

Limit $5,000

$150 to $200 From $500 to $1,000

$1 Million Occurrence/$2 million Aggregate

Limit $5,000

From $600 to $1000 From $500 to $1,000
Commercial Auto From $3,800 to $4.200 N/A

This chart shows the average cost of DJ liability insurance and property coverage separately compared to a BOP. A BOP that includes liability and property coverages usually has a lower overall cost. Comparing policy terms between different brokers and insurance providers can help you get a better idea of the cost of insurance.

A DJ liability policy that covers both hired and unowned autos is a good idea if you rent trucks all the time, even though it may be more expensive.

These premiums are an average and may rise for DJs who:

  • You need property coverage to protect their equipment while in transit or at the venue
  • You may need higher limits
  • Include light shows, fireworks or other performers into your acts
  • Book gigs at nightclubs
  • Shows that go past 2 a.m.
  • You can play to larger groups


Tip: The type of equipment you use will affect the liability limits you set. This is something you should discuss with your agent when discussing liability limits.


Types of DJ insurance

A BOP is one popular DJ insurance policy. A BOP is a DJ insurance policy that combines general liability and commercial property coverage in a cost-effective package. Mobile DJs need inland marine coverage to protect their venues.

The Most Common Types Of DJ Insurance

Types of insurance It covers
General Liability Insurance Third-party claims for bodily injury, property loss, and advertising injuries
Commercial Property Insurance When business property is stolen, lost, or damaged, it can be worth its value
Inland Marine Insurance Business property lost, stolen or damaged during transit may have a value of $500,000
Commercial Auto Insurance The policyholder’s liability for accidents and the value of the vehicle as a business vehicle if it is stolen or damaged.

These are the most popular policies DJs buy. However, there may be other risks that DJs need to have additional coverage. In most states, workers’ compensation insurance is required for DJs who have employees.

Most DJs qualify for a BOP. BOPs often combine general liability insurance and commercial property insurance. Insurance providers will often offer DJs additional coverage at a lower rate, such as commercial auto or inland marine.

DJ General Liability Insurance

DJ general insurance protects you from interactions with other people, including clients, venue owners, party guests, or audience members. General liability covers you if one of these people accuses of causing their injury, or property damage. General liability insurance also covers defamation and copyright infringement lawsuits.

Imagine, for instance, that your sound system blows up and a spectator gets hurt while trying to figure out how to get home. If they sue, DJ liability insurance usually pays for their medical bills and legal fees. You can also get it if the artist claims that you have used their music without their permission.

A fundamental insurance policy is general liability. General liability insurance is essential for anyone who owns a business, even DJs who book only a few gigs per year. For DJs who upload remixes or samples online, copyright infringement coverage might be attractive. Some DJ insurance policies may not cover copyright infringement. Make sure to check your policy.


Tip: Part time DJs who only do two or three weddings per calendar year are exempt from the need for annual DJ liability insurance. They can instead get event insurance to meet their coverage needs.


DJ Commercial Property Insurance

Your business’s commercial property insurance will cover the workspaces you own as well as any items inside them. Commercial property insurance covers your items if they are stolen or damaged. This is less your deductible.

Commercial property insurance is important for DJs, video DJs (VJs), or karaoke DJs. It helps them return to work quicker. If they are working out of another building than their own, DJs might also need property insurance.

If they are:

  • Hire equipment: Rental equipment is usually excluded from commercial property coverage; DJ liability insurance often covers damage to rented or borrowed equipment.
  • Renting business space: Commercial landlords have to take care of their property. However, most landlords will require tenants to have general liability coverage.
  • Work from their home: While a standalone commercial property policy might not be enough coverage for a home-based DJ, you still need business insurance. Other options include a BOP or a business rider to your home insurance policy, or an in home business policy.


Tip: Your homeowners policy will not cover your business if it is located outside of your home. It won’t typically cover business activities. To cover your DJ equipment, you can either add a business rider to your home insurance or get a BOP. You have two options if neither of these work: you can get separate commercial property and general liability insurance.


provides more information about home-based businesses policies.

DJ Inland Marine Insurance

Inland Marine Insurance is a type insurance that protects your equipment while it’s being moved. Your belongings are only covered by commercial property insurance if they’re located in a particular location. Inland Marine covers your property if it is damaged or destroyed during transit.

Inland marine insurance is required for DJs who transport expensive equipment to other venues. It might be necessary if you borrow equipment from another DJ. You can become a bailee if you borrow a DJ’s karaoke equipment. As long as the machine is in your possession, you are responsible for it.

If they are contracted with venues with their own equipment, DJs do not need inland marine. If they rent trucks, they may not require coverage. Most truck rental companies offer coverage to protect their property.

DJ Commercial Auto Insurance

Your DJ business’s cars, trucks, and vans are covered by commercial auto insurance. Most states require that you have liability coverage in order to be able to pay for damages if you are involved in an accident. You can, however, add additional coverage to your personal auto insurance if you are willing to pay more.

Some examples of commercial coverage include:

  • Insurance: Covers you and your passengers for injuries
  • Collision: Insures your car against damage
  • Uninsured or underinsured motorist. Covers damages caused by another driver but not paying.

DJs with cars registered to their business are required to have commercial insurance. However, those who drive their cars for work might also need it. Personal auto insurance does not cover business driving. Therefore, accidents between gigs might not be covered. DJs who rent trucks or vans can opt out of commercial auto insurance.

Insurance for DJ Equipment Failure

Equipment breakdown insurance can provide funds to help protect your company’s electronic equipment against sudden malfunctions. Commercial property insurance covers damage due to fires and other external factors, but equipment breakdown insurance covers damage caused by internal forces such as power surges.

To ensure that their equipment is protected in the event of an unavoidable problem, DJs should consider adding equipment breakdown insurance to their commercial property insurance.

Additional Types of DJ Insurance

While most DJs work solo, they might need to have additional coverage if they have staff.

These are the three most common insurance policies for DJs and their employees.

  • Workers’ compensation insurance : Employers must have workers’ compensation in all 50 states. It covers employees for work-related injuries or illnesses and pays their medical bills.
  • Commercial crime insurance : This policy covers theft from your company or clients. It does not cover illegal acts by you or your business associates.
  • Non-owned and Hired Auto Insurance: Hired auto (HNOA), covers your liability for cars that you borrow, rent, hire or lease. You may also need a policy if the vans you are renting are used to transport equipment. This coverage may be required if your employees use their own vehicles to do job-related tasks, such as checking out a new location.

Workers’ compensation is the only law-required one of these three. HNOA coverage and commercial crime coverage might be a good idea depending on your specific risks.

Are you looking for the best insurance broker or provider? Our buyers’ guide is specifically designed for DJs.

Bottom line

DJs are known to be very concerned about liability insurance. DJs are exposed to many liability risks due to the amount of people they work with and the equipment that they use. By becoming insured DJs can not only protect their assets, but also meet the contractual requirements of many venues.

However, DJs may also want to consider additional insurance for automobile accidents and property theft.

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