DJ Liability Insurance: Cost, Quotes & More

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If you’re going to be performing a set as a DJ, the last thing you want to deal with is a lawsuit because you skipped getting insurance. Over the course of this guide, we’re going to detail the ins and outs of DJ insurance, including the various forms of insurance for DJs that are available and how much does DJ insurance cost.

DJ Liability Insurance

DJ Liability insurance is the most common form of business insurance that you’ll want to have when you’re performing as a DJ since it covers most of the risks that are present over the course of your typical set. For example, DJ liability insurance protects you from claims resulting from property damage that occur due to your DJ business activity.

This can be handy if your equipment ends up causing damage to the venue in which you find yourself. You’ll also be covered if anyone ends up getting injured over the course of your performance, which can sometimes occur at the same time as the aforementioned property damage.

DJ Equipment Insurance

Aside from liability insurance, many DJs tend to get equipment coverage to ensure that they don’t end up having to pay for all new gear when something goes wrong. Professional DJ equipment can be worth tens of thousands of dollars, and this can put anybody in dire financial straits.

Items covered can include mixers, turntables, and even records. Along with covering you if your equipment ends up getting damaged, you’ll be protected from stolen gear. After all, when you’re performing a set for a bunch of partygoers, then you never know what someone might end up trying.

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DJ Insurance Prices

If you have an event or set that’s happening soon, then you may not have the luxury of shopping around and getting quotes from a wide range of different carriers. That’s why we’ve gone ahead and gathered the average DJ liability insurance cost from some top insurers in this article.

Using our list of quotes and prices for some of the top carriers in the industry, you’ll be able to get your hands on DJ insurance in minutes so that you can be fully covered for your next event.

CompanyCost per monthCost per year
The Hartford$23$276
Liberty Mutual$16$192
RV Nuccio and Associates$17$204

DJ Liability Insurance One Day

Since you may not be performing every day of the year, it may be more affordable to get a DJK insurance one day policy that will only cover you for your event. Some insurance companies even offer policies for up to three days at a time, which can come in handy if you’re performing at a music festival.

The cost of DJ insurance for a day generally depends on your performing history as well as exactly what kind of coverage you’re looking for. That being said, the median cost of a one-day policy for a DJ is about $60, going up to about $150 if you’re trying to get coverage for three days.

DJ Event Insurance

DJ event insurance is similar to getting covered for a day, but most insurance companies will be willing to tailor these relatively limited policies for the length that you need them. For example, if your event lasts for about a week, then the insurance company will work with you to come up with a reasonable rate for the time.

Of course, these policies tend to be a little more expensive than annual insurance policies, so it’s a good idea to compare whether it’s worth getting covered for your events individually or just opting for year-long coverage. These policies are typically a good idea for DJs who only perform once or twice a year.

Mobile DJ Insurance

Mobile DJ insurance typically combines the more traditional forms of coverage like general liability with equipment coverage and often auto insurance. Since mobile DJs can expect to spend a significant amount of time traveling and moving their equipment around, the auto insurance component is often deemed necessary.

Because of how mobile DJ insurance combines all of these different policies, you can expect to pay a bit more for coverage than you would for a general liability policy. Depending on the company you’re working with and the details of your policy, you can expect to pay about $500 per year for mobile DJ coverage.

Wedding DJ Insurance

In most cases, wedding DJ insurance is required by wedding venues, and since it’s necessary in most cases, insurance companies tend to charge a little bit more for it. In most cases, DJ business insurance for weddings is limited to general liability coverage, but additional policies can be added at the DJ’s behest.

For example, there’s nothing stopping you from adding equipment coverage to your wedding DJ insurance policy so that you can keep your gear protected from damage or theft during the wedding. Annual policies for wedding DJ insurance start at about $200 per year, but they can cost you up to $500.

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Best DJ Insurance Companies

When shopping for DJ insurance, you’ll have a choice of a wide range of different companies, and it’s good to know what each of them can offer you before opting for the first quote that you get. We’re going to take a look at a couple of the best carriers that you can opt for when getting insured as a DJ.

Geico DJ Insurance

Geico covers DJs and many other workers, including tradesmen and filmmakers with its general liability insurance policy. Geico ensures that their clients will be covered in the event of property damage or injuries. They will also cover you from advertising injury and will cover legal costs that are incurred by the event.

RV Nuccio DJ Insurance

RV Nuccio and Associates offers exclusive liability insurance that is catered specifically to DJs. Along with general liability, this kind of policy will cover DJs, VJs, and KJs from employee crime as well as damage to their equipment or even theft. Their policies start at about $175 per year.

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