5 Best DJ Insurance Providers
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
Finding DJ insurance can be a complicated process because the type of insurance you need can vary based on the types of events you book, the frequency of your bookings, and the kind of equipment you use. DJs must choose between the many insurance providers and brokers that specialize in DJ insurance to find a top-quality policy or work with a broker that can help them choose between the many available options.
To help simplify the process, we’ve selected the five best insurance providers for DJ Insurance:
- Simply Business: Overall best affordable DJ insurance
- R.V. Nuccio & Associates: Best for hired and nonowned auto (HNOA) and inland marine policies
- Insurance321: Best for DJs, karaoke jockeys (KJs), and video jockeys (VJs) who want to be matched with an insurer
- Brown & Brown Insurance: Best for DJs who are also members of the National Association of Mobile Entertainers (NAME)
- ProSight Direct: Best for providing short-term liability insurance
Simply Business: Overall Best DJ Insurance Provider
Simply Business is an online business insurance brokerage that provides affordable quotes from top insurance providers like Hiscox, Travelers Insurance, CNA, and others. In addition, Simply Business is quick—you can usually get a quote based on your needs in a few minutes.
| PROS | CONS |
|---|---|
| Offers quotes quickly online | No mobile app |
| Provides affordable quotes from well-known insurance providers | May not be able to get the quotes immediately |
| Can issue certificates of insurance | |
| Can be contacted via email and phone for claims processing | |
Coverage
Since Simply Business is an insurance brokerage firm, it doesn’t directly write or sell policies. Rather, it’ll link you to partner insurance carriers, fellow brokerages, or agencies. Once you fill out its online form, an agent from Simply Business will contact you either by email or phone to assess your business needs and find the right coverage at an affordable price.
What makes Simply Business unique is that it caters to niche professionals, such as DJs, while also providing recommended policies from top-tier carriers. Reach out for a free, no-obligation quote to get the coverage you need at the right price.
Costs
While Simply Business can’t give you costs immediately after signing up online, it connects you to leading insurance providers who will be able to provide you with rates.
R.V. Nuccio & Associates: Best for Both HNOA & Inland Marine
R.V. Nuccio & Associates is a leading provider of event-related coverage who created its own DJ insurance program in 1994. R.V. Nuccio & Associates offers DJ insurance that includes both HNOA and inland marine coverage.
| PROS | CONS |
|---|---|
| Offers immediate quotes after applying online | No mobile app |
| Offers short-term coverages | Lack of professionalism with some adjusters |
| Membership portal is user-friendly | |
| Can issue certificates of insurance via online policy management system | |
Visit R.V. Nuccio & Associates
Coverage
As an insurance brokerage firm, R.V. Nuccio and Associates operates nationwide and has offered product lines from A-plus-rated carriers for more than 25 years. Its DJ insurance offers the following coverages: general liability, property/equipment, employee crime, certificates of liability, and additional insureds.
What makes R.V. Nuccio & Associates unique among other insurance providers and brokers is how they immediately provide both HNOA and inland marine after you purchase its general liability insurance.
Costs
R.V. Nuccio & Associates offers a starting annual premium of $175 for DJ insurance. The following coverages are also offered separately by R.V. Nuccio & Associates at a low monthly premium:
- General liability: $14.58 per month
- Gear/equipment: $6.58 per month
- Employee crime: $6.50 per month
- Accidental medical insurance: $7.96 per month
Insurance321: Best for DJs, KJs, and VJs Who Want to Be Matched With an Insurer
Insurance321 is an online insurance marketplace that helps eliminate the hassle of applying for insurance. Once you fill out your business information and a representative confirms the details, you’ll be connected immediately to an insurance agent in your area.
| PROS | CONS |
|---|---|
| Can deliver quotes, process claims, and pay bills online | Will only deliver quotes after confirming business details with the control center |
| Serves all 50 states | “DJ” is not included in the list of businesses in their 321LaunchPad |
| Connected to a large number of agents, brokers, and carriers via 321LaunchPad | |
Coverage
Insurance321’s 321LaunchPad connects you to well-known commercial insurers like Hiscox, Liberty Mutual, CNA, Markel, AmTrust, and Progressive Commercial. Through 321LaunchPad, DJs are matched with qualified insurers to get the right coverage, based on risks and needs, at a fair price.
Costs
Policy costs with Insurance321 will vary depending on the risks you identify, your business location, and the insurance provider. Once you fill out your contact details online, an agent will get in touch with you to learn more about your business and your specific needs.
Brown & Brown Insurance: Best for DJs Who Are Also NAME Members
As the sixth-largest insurance broker in the country with its roots going back to the 1930s, you can trust that Brown & Brown Insurance can deliver quality insurance products to its policyholders. Currently, Brown & Brown is the insurance program administrator for NAME, the professional organization that provides full benefits for all kinds of mobile entertainers, including DJs.
| PROS | CONS |
|---|---|
| Policies that match the needs of DJs | Can only get the best perks if you’re a NAME member |
| Available in over 300+ locations across the country | Mixed reviews among policyholders |
| Various types of programs offered by state | |
Coverage
Brown & Brown Insurance offers comprehensive claims and third-party administration, including nationwide coverage, a customer-centric service model, and various loss control and safety programs. Brown & Brown Insurance has a division called National Programs, which provides specialty, commercial, and personal insurance for each state.
DJs who are members of NAME can take advantage of the NAME/Brown & Brown insurance program to get industry-specific coverages for equipment and liability insurance.
Costs
The cost of getting a policy with Brown & Brown Insurance depends on several factors like industry, location, annual sales, number of employees, payroll, policy limits set for each coverage, endorsements, acceptable deductibles, professional experience, and claims history.
ProSight Direct: Best for Providing Short-term Liability Insurance
Developed by ProSight Specialty Insurance, ProSight Direct’s main goal is to ensure easy access to and management of their policies. When a DJ purchases a policy, they can use the ProSight Online portal to view their policies and access their claims anytime and anywhere.
| PROS | CONS |
|---|---|
| Can provide insurance for DJs | Only offers three coverages: general liability, professional liability, and inland marine |
| Has online self-service portal to view policies, report, and view status of claims | No DJ insurance in seven states (Alaska, California, Hawaii, Illinois, Texas, Virginia, Washington) |
| Can customize coverage 24/7 | Doesn’t usually provide quotes instantly, as you need to speak to an agent before finding out the estimated costs |
Coverage
As one of the true digital insurance companies, ProSight Direct can be accessed on any device, making it easier than ever for you to get a quote, access policies, and revise certificates online.
For DJs, ProSight Direct offers legal defense expense insurance, mobile DJ insurance, and DJ equipment insurance.
Costs
ProSight Direct offers basic liability insurance from as low as $16.50 per month. What makes it unique is that it also includes equipment coverage.
How We Evaluated the Best DJ Insurance Providers
When evaluating DJ insurance providers, our first concern was whether they have the appropriate policies for DJs. Not all providers and carriers have enough appetite to insure DJs. Price was another consideration, given that DJ insurance can be costly, especially in the long term. We also considered whether the provider could offer their services in most, if not all, states. Lastly, we looked for insurance providers that made their process easier by offering online application and policy management options.
Bottom Line
For DJs, finding the right insurance provider and policies can be a complex process as there are many factors for them to consider, such as whether they want long- or short-term policies and which coverage is appropriate based on their needs and risks. The best rule of thumb is to first identify your needs and the possible policies that would answer them and then find the appropriate insurance provider for your business. Our pick of the top five DJ insurance providers should help you in your search.
