Site icon AdvisorSmith

DJ Insurance

Business Insurance for DJs

Get a quote on Business Insurance

Performing as a DJ can be a fulfilling enterprise, but it’s essential that you prepare yourself for any negative events that may occur, including the possibility that you may unintentionally cause someone else to be injured, damage property, or find that your equipment has been broken in transit. Purchasing business insurance can ensure that you are financially protected from unexpected incidents, and events, festivals, and venues will often require you to have liability insurance coverage before you will be allowed to perform.

What insurance coverage do I need as a DJ?

There are many types of insurance coverage to consider, but these policies are particularly relevant to DJs:

General Liability Insurance

General liability insurance covers accidental injury to third parties and damage to property belonging to third parties. Because DJs work at a wide variety of locations, it’s wise to prepare yourself for the possibility that you may be held liable for accidentally injuring someone or damaging someone’s property. In these situations, general liability insurance can step in to cover legal defense, damages, medical costs, and settlements. 

General liability insurance can also include a personal and advertising injury component, which provides coverage for a number of non-physical injuries, including libel, slander, and copyright infringement.


Commercial Auto Insurance

Professional DJs rely on their vehicles to transport them to venues, private events, and more. It’s essential to be aware that personal auto insurance policies may not be sufficient if an accident happens while you are driving for work purposes.

If you are at fault in an accident while driving for work purposes, your commercial auto insurance will pay for any resulting third-party bodily injury, property damage, or pollution cleanup. Commercial auto insurance also covers the value of the vehicle itself if it’s damaged by a collision or another peril.


Inland Marine Insurance

Inland marine insurance is a key coverage for DJs that is designed to protect the property that you transport to various locations that may not be covered by a standard commercial property policy. Since DJs often use expensive equipment that travels with them to gigs, you’ll need an inland marine insurance policy to protect its value.

Items may be stolen, damaged in transit, or damaged by attendees or employees at a club, event, or other venue. If this happens, inland marine coverage will provide funds for repairs or replacements. 


Professional Liability Insurance

Professional liability insurance will provide financial protection if clients sue you for any perceived failures or negligence in your professional services. As a DJ, clients may feel that you have acted negligently if you fail to show up as contracted, play music they feel is inappropriate, or act unprofessionally.

Even if you have done nothing wrong, you could find yourself dealing with a costly lawsuit. Professional liability insurance will pay for your legal costs and any settlements in these situations. 


Business Owner’s Policy

A business owner’s policy could be a wise choice for many DJs. A business owner’s policy combines general liability, commercial property, business income, and extra expense coverage in one convenient bundle. Additional coverages such as professional liability may also be added by endorsement. This type of package can help you save on costs, as purchasing a BOP is typically less expensive than purchasing each insurance coverage separately. 

Additional Coverages

Pricing and Quotes

Pricing for business insurance will vary based on the type of insurance coverage and the risk profile of your business. Insurers consider factors such as:

Businesses with higher risks will have higher premiums than those deemed lower risk. For example, a DJ business with a history of frequent claims will face higher premiums. Premiums also rise as you increase the limits of insurance. Different insurance companies have different models for rating risks, so it is worth comparing pricing across different insurers.

In order to get an accurate estimate on pricing, it’s best to get a quote from a reputable insurance company. Below we’ve highlighted a few of our trusted partners who offer coverage for DJs:

ProviderGeneral LiabilityProfessional LiabilityBusiness Owner's Policy

Business Insurance and Coronavirus

COVID-19 has caused many event cancelations, which has had a major effect on DJs. DJs may be unsure about how their business insurance will handle this situation.

In the majority of cases, business interruption insurance policies you have in effect will not cover losses caused by coronavirus. These policies typically only cover losses caused by a direct physical loss or damage, like a fire or theft. Some business interruption policies will include coverage for losses caused by “communicable or infectious diseases,” but this is rare.

How workers’ compensation insurance handles coronavirus cases varies widely depending on the state. If you have employees who catch coronavirus as a result of their work, they may be eligible for workers’ compensation payments in some states.

If your business continues operating and a client or other third party sues you claiming that they contracted coronavirus after visiting your business, some commercial general liability policies will provide coverage, depending on your individual policy and the laws of your state.

You cannot purchase a new policy to cover coronavirus-related losses because insurance policies will not cover losses that have already been discovered.  

Consult our FAQ on coronavirus and business insurance for more information.

Final Word

Working as a DJ can be fun and rewarding, but it’s important to be aware of the risks that you could face. Business insurance can help you cope with unexpected disasters such as guest injuries, accidental damage to a client’s property, or theft of your equipment, among other possible hazards. Ensuring that you have the right insurance coverage can help you feel confident, knowing that if a catastrophe occurs, you will be financially protected.

Exit mobile version