5 Best DJ Insurance Companies for 2023

Offering insurance for over 900 professions, Next has established itself as a provider for businesses in niche industries. It offers general liability and commercial property for your DJ business—and, if you have employees under you, you can also get its workers’ comp.

We received a quote for Next’s DJ insurance that cost $190.08 annually for liability. Alternatively, you can make the first and last month’s payments and then have 10 monthly payments of $15.84. This policy was only for general liability that carried limits of $1 million per occurrence and $2 million aggregate.

Next’s online interface is very convenient. You can receive a quote with the option to purchase in just minutes. The company is open on weekdays if you want to speak with an advisor.

The Next mobile app also allows you to get a quote and purchase a policy. Once you become a customer, you can use the app to manage your policy, file a claim, and get instant certificates of liability.

Its customers are happy with their user experience. The National Association of Insurance Commissioners (NAIC) tracks complaints filed with each state’s department of insurance, and Next has lower-than-average complaints. On Next’s reviews page, policyholders and potential customers can leave feedback. It has over 4,500 reviews, with an average rating of 4.5 out of 5.

Founded in 2015, Next is relatively new. Nevertheless, it has the financial strength to handle claims with a financial rating of A- (Excellent) from AM Best.

When obtaining a quote for DJ insurance with Thimble, you will have several options. You can get short-term liability or a monthly or annual policy. Coverage for your tools and equipment is only available if you proceed with a monthly or annual policy.

We received a quote for 48 hours of coverage that began immediately and ended the next day. It cost $52.42 and carried general liability and professional liability, both of which had a separate limit of $1 million.

General liability, professional liability, business equipment protection, and BOP are available in all 50 states. Thimble’s complaints are lower than the national average, and its user interface is convenient for customers.

The Thimble app is very useful for DJs. If your venue changes or a job suddenly becomes available, then you can obtain an instant COI on the app. You can also use it to get a quote, buy and manage a policy, and file a claim.

Thimble’s policies are provided through several different carriers. The quoted DJ policy was through National Specialty Insurance Company, rated A (Excellent) by AM Best.

It offers insurance for DJs, karaoke jockeys (KJs), and video jockeys (VJs). The policies provided are highly affordable; we were quoted $21 monthly with an additional one-time payment of $24.50, which is the lowest quote provided by any company in this guide for the amount of coverage offered.

The quote was for liability and property insurance. The liability policy carried a $1 million occurrence and a $2 million aggregate limit. It also carried equipment coverage of $5,000 per occurrence and $10,000 aggregate. Helpfully, it lists the exclusions before purchasing, giving you a good idea of what is and is not covered.

If you are only looking for short-term coverage for an event, Insurance Canopy has event liability for one top three days, which starts at $59.

It is licensed to sell insurance in all 50 states. Customers report being pleased with their experience: on the independent review site feefo, it has a 4.7 out of 5 rating from over 500 reviews.

The quote process is quick and simple, taking less than ten minutes. Once you purchase a policy, you have 24/7 access to all of your policy documents. Through your online account, you can manage your policy, create and download a COI and file a claim.

If you prefer to speak with someone, it is available Monday through Friday, from 8 a.m. to 8 p.m., MT.

Insurance Canopy is a brokerage, and The Great American Insurance Group underwrites this specific policy. It has an A+ (Superior) rating by AM Best.

We received one online quote with a notice that there were more offers available if we wanted to call and discuss it further with one of its licensed agents. The quote we received was for general liability, with a limit of $1 million per occurrence and $2 million aggregate through the provider Hiscox. This policy also carried a deductible of $250.

If the limits quoted are insufficient, there is an option to make adjustments to limits and deductibles, and then the amount quoted updates to reflect the new policy.

Simply Business allows you to purchase policies online or over the phone and is available in all 50 states.

Through your account, you have 24/7 access to your policy documents, requesting a COI and filing a claim. If you need to speak with someone, Simply Business is open Monday through Friday, from 8 a.m. to 8 p.m., ET.

Because it is not an actual provider, there are no reports for it with the NAIC. However, on the independent rating site Trustpilot, Simply Business has high marks from users. It has a score of 4.7 out of 5 stars with over 500 reviews.

In addition to working with multiple top-rated carriers, Simply Business is also owned by Travelers. Travelers has a rating of A++ (Superior) from AM Best.

We received a quote online for $361.76 annually. It carried general liability with a $1 million per occurrence and $2 million aggregate limit, and $6,000 in coverage for gear. It also had $1,000 in coverage for your music library. The first-party coverages had a $500 deductible.

Its offerings for DJs are DJ liability, gear, equipment, and employee crime insurance.

The quoting process is fairly straightforward and simple. Interestingly, RVNA was the first insurance provider to create an online quote system—with Rob (the R in RVNA) having written the program in the 1990s.

You can manage your policy and create free and unlimited COIs online. However, if you have a claim, you will need to call during the weekday hours that it is open, which is 5:30 a.m. to 5 p.m. PT.

It has high ratings from users on WalletHub, where it has nearly 5 stars from over 400 reviews.

RVNA is a brokerage, and the policies it offers to DJs are provided by A+-rated carriers. The only carrier it lists is Allianz. Allianz has a rating of A+ (Superior) from AM Best.