In this article we show you where to buy DJ Insurance, how much it costs, and what it covers.
Ready? Let’s get started.
What We Recommend
Option 1. Brown and Brown Insurance (For Quick Coverage)
We have searched around for the best DJ insurance at the lowest cost, and found Brown and Brown Insurance to be the best option for the money. They are a large (18,000 employees) financially sound insurance broker that has roots going back to the 1800’s. Brown and Brown Insurance is recommended by the National Association of Mobile Entertainers (NAME). To be eligible, you need to be a member of NAME, which costs $125. You can learn more and apply at NAME’s website.
If you’re a NAME member, you can get a quote and purchase online that same day. They provide both liability insurance, which is often required by the venues you are playing, as well as property insurance, in case your equipment or music library is damaged.
Liability Insurance: $175 per year for 1 DJ system. $1 Million limit per occurrence, $2 Million total. Venues can be added as additional insureds for not additional cost. ($2 Million per occurrence policy available for additional cost)
Property Insurance: $150 per year for up to $15,000 in equipment and $10 for every $1000 above that.
NAME Membership: $125 per year.
Option 2. Hiscox (For a Fast, Free Quote)
If you have a more unique situation and want to get on the phone with somebody to discuss your options, we recommend Hiscox. They specialize in small business insurance and can tailor their policies for to match a DJ or other performer’s needs. The insurance quote is free, and you can get started just by following this link.
What DJ Insurance Covers
There are two primary types of DJ Insurance. They are liability insurance and property insurance.
DJ Liability Insurance
DJ liability insurance covers the cost of your legal defense and any money awarded (up to your policy limit) for damages to individuals who do not work for you and to property that you do not own.
Examples of What is Covered
If you are unloading your equipment, drop a speaker and crack a marble floor, your DJ Liability insurance will cover you. If one of your speakers falls on someone in the audience and injures them, your DJ Liability insurance will also cover you.
What is Not Covered
Damages to your property, or to individuals that are in your employment are not covered (See DJ Property Insurance). You are also not covered if you intentionally injure someone (ie punch someone).
Adding Venues as Additional Insureds
If you are DJ’ing professional venues such as Wedding Halls and Nightclubs, they will often require that you show proof that you carry a specified amount of liability insurance (generally $1 Million) and that you add them as an “additional insured” to your policy.
This is one of the reasons we recommend working with a company that specializes in DJ insurance. They make it easy and free to add additional insureds to your policy and to provide proof that they have been added.
DJ Property Insurance
DJ property insurance is designed to protect property that you own. Since most DJ’s do not operate out of a venue that they own, this generally applies to your equipment and music collection.
Venues do not generally require DJ’s to carry property insurance covering their own equipment. Property insurance generally costs around $10 per $1000 of equipment that you want to insure per year with a minimum of around $150 per year.
What Is Not Covered
Anything besides the property which you own and have specified under your property insurance policy is not covered. This includes damage to the venue where you are DJ’ing, which would be covered under your DJ Liability Insurance policy.
Have questions about DJ insurance that I did not answer? Drop a comment in the comment section below.
The Bottom Line
If you just need coverage quick, Brown and Brown Insurance is a good low-cost option. They’re an industry staple, recommended by the National Association of Mobile Entertainers (NAME). Plus, you can get a quote and purchase insurance online that same day.
If you’re looking for a policy that’s more comprehensive or more specific, we recommend Hiscox. They’ll help you figure out exactly what you need and connect you with the perfect policy for your business.