As a DJ, your job is to keep the crowd moving, and you deserve peace of mind while doing it. That is where the right DJ insurer comes in. The best DJ insurance companies offer policies that protect your equipment, align with your level of risk, and remain affordable.
I evaluated the most well-known small business insurance providers that offer DJ coverage. By using the Fit Small Business internal scoring system and comparing real quotes, I have identified the top six insurance companies that you can trust.
- Next Insurance: Best overall DJ insurance provider
- RVNA: Best for mobile DJs who perform at a variety of venues and events
- Simply Business: Best for comparing multiple quotes from top-rated insurers
- Insurance Canopy: Best for easy online setup and equipment coverage options
- Thimble: Best for flexible, short-term event insurance
Quick comparison of the best DJ insurance companies
Quote process | Ave. monthly cost | Availability | Instant COI | Financial rating | |
|---|---|---|---|---|---|
 | Online | $19 | Monday to Friday 8 a.m. to 5 p.m. CT | ✓ | A- (Excellent) |
 | Online | $22 | Monday to Friday 5:30 a.m. to 5 p.m. PT | ✕ | A+ (Superior) |
 | Online | $17 | Monday to Friday 8 a.m. to 8 p.m. ET | ✓ | A++ (Superior) |
 | Online | $18.50 | Monday–Friday, 8 a.m.–8 p.m. ET | ✓ | A+ (Superior) |
 | Online | $33 | Monday–Friday, 9 a.m.–6 p.m. ET | ✓ | A- to A (Excellent) |
Next Insurance: Best overall DJ insurance provider
Pros
- Customer complaints are below the national average
- Direct Carrier with In-House Claims Handling
- Get a quote in 10 minutes or less
Cons
- Does not maintain a 24/7 claims call center
- Coverage availability can vary by state
Standout features
- Has a user-friendly Android and iOS app for 24/7 access to policy, claims filing, and COI creation
- Has a quick, streamlined claims process
- Offers competitive, transparent pricing
Financial rating: Founded in 2015, Next Insurance is relatively new. Nevertheless, it has the financial strength to handle claims, as Next Insurance’s AM Best rating is A- (Excellent).
Next Insurance earns the title of best overall DJ insurance provider thanks to its all-in-one platform that makes managing coverage simple. It offers a true one-stop shop where you can get a quote, purchase and maintain your policy, and handle claims all in one place without relying on third-party brokers. If you prefer having everything centralized with a single provider, Next is a strong choice. The only drawback is that it does not offer 24/7 call center support.
Next Insurance offers general liability insurance, professional liability insurance, inland marine insurance, and commercial property insurance coverage for your DJ business. If you have employees, you can also get workers’ compensation insurance from the provider.
I received a quote that costs $19.17 monthly. This policy carried limits of $1 million per occurrence and $2 million aggregate. It also included customer injuries on-site and errors and omissions.
Using Next’s platform is easy. In minutes, you can receive a quote online with the option to purchase. If you would like to speak with an advisor, one is available on weekdays. Once you become a customer, you can use the app to manage your policy, file a claim, and get an instant certificate of liability.
Customers are happy with their experience of having Next Insurance as their provider. According to The National Association of Insurance Commissioners (NAIC), complaints are lower than expected. Meanwhile, Next’s website shows that the insurer has a 4.7 out of 5 customer satisfaction rating and that over 600,000 customers are currently insured.
RVNA: Best for mobile DJs who perform at a variety of venues and events
Pros
- Get quotes quickly
- Online account maintenance
- Available nationwide
Cons
- Weekday-only hours for claims
- No mobile app
Standout features
- Offers liability coverage plus gear, equipment, and employee crime insurance
- Lets you manage insurance online, including printing COIs, renewing coverage, and updating policy details at any time
- Offers online DJ insurance quotes and instant and unlimited COIs
- Has years of experience in the specialty insurance market
Financial rating: RVNA is a brokerage, and the policies it offers to DJs are provided by carriers rated A+. The only carrier it lists is Allianz, and AM Best rated Allianz an A+ (Superior).
R.V. Nuccio & Associates (RVNA) is a nationwide brokerage endorsed by the American Disc Jockey Association (ADJA) and the Karaoke Industry Alliance of America (KIAA). It is a strong option if you perform at a variety of venues and events because it offers flexible coverage that meets different venue requirements.
If you are a member of either association, you can also receive a discount on your insurance, adding extra value. The broker operates similarly to Insurance Canopy by providing an industry-specific program with selected coverage and a straightforward online purchasing process. However, RVNA tends to be more expensive and offers slightly different coverage options compared to Insurance Canopy, so it is a good idea to compare both providers to find the best fit for your business.
I received a quote online for $267.08 annually. It carried general liability with a limit of $1 million per occurrence, $2 million aggregate. The coverage had a $500 deductible.
You can manage your policy and create free and unlimited COIs online. However, if you have a claim, you will need to call during its weekday hours.
RVNA has high ratings from users on WalletHub, where it has earned 4.8 stars from over 400 reviews.
Simply Business: Best for comparing multiple quotes from top-rated insurers
Pros
- Get quotes in just minutes
- Get same-day coverage online
- Save money by comparing quotes
Cons
- Does not handle any claims directly
- Customer service is not 24/7
- Some coverages may be unavailable
Standout features
- Allows you to compare quotes from multiple carriers simultaneously
- Lets you purchase a policy online without speaking to anyone or call and get advice from a dedicated agent
- Works with top-rated carriers like biBERK, CNA, and Markel
- Enables you to adjust limits on quotes in real time and receive an updated quote
Financial rating: In addition to working with multiple top-rated carriers, Simply Business is owned by Travelers, and AM Best rated Travelers an A++ (Superior).
For solopreneur DJs, the online marketplace Simply Business offers an easy and efficient way to explore insurance options. Its user-friendly quoting platform allows you to compare multiple quotes from top-rated insurers, allowing you to choose the policy that best fits your needs and budget. Once you find the right fit, you can purchase coverage online or speak with a dedicated agent.
Keep in mind that, as a broker, Simply Business does not handle claims directly — you will need to work with the carrier if you need to file one. If you prefer working directly with your insurance provider, Next Insurance is the only company in this guide that manages claims in-house.
I received a quote for DJ insurance for a general liability policy from Simply Business through RLI Different Works. This quote had combined coverage options that included general liability, equipment, and business property. The monthly fee was $16.83, with coverage limits of $1 million per occurrence and $2 million aggregate. This policy included $5,000 in equipment coverage with a $250.00 deductible.
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 and can request a COI.
Because Simply Business is not an insurance carrier, it does not have a report with the NAIC. However, on the independent rating site Trustpilot, Simply Business has received high user ratings. It has 4.6 out of 5 stars from over 1,400 reviews.
Insurance Canopy: Best for easy online setup and equipment coverage options
Pros
- DJ insurance is available in all states
- Short-term event coverage available
- Get an instant COI online
Cons
- Customer service is not 24/7
- Policy customization may be limited
- No mobile app
Standout features
- Has a policy package for DJs, making it easy to get fast coverage in 10 minutes or less that is customized for your business
- Provides event liability coverage for one to three days, starting at $59
- Offers high general liability limits at competitive prices, making them a strong value for mobile and event DJs
- Provides instant COIs; after purchasing a policy, you can download a COI online, which is essential for booking venues and events quickly
Financial rating: Insurance Canopy is a brokerage, and Great American Insurance Group (GAIG) underwrites this specific policy. AM Best’s rating of GAIG is A+ (Superior).
I strongly recommend Insurance Canopy if you want a quick and straightforward online setup that lets you get a quote, purchase a policy, and access your certificate of insurance in minutes. It also offers the option to add coverage for your DJ equipment, such as mixers, speakers, turntables, and laptops.
It provides a customizable base liability policy with high limits at an affordable rate, making it a great starting point if you seek reliable protection. From there, you can tailor your policy by adding additional coverage, such as equipment protection, depending on your specific needs.
Insurance Canopy is a solid pick for straightforward, pre-built coverage, but if you’re looking to compare pricing and options from multiple top-rated insurers in one place, Simply Business may be the better fit. As a broker, Simply Business lets you explore quotes side by side, offering greater flexibility if budget is your top concern.
The Insurance Canopy site allowed me to get some basic information available to insure DJs, and there were two options showing. Event insurance was available for 1) a one-time job, with prices starting at $59 per job; and 2) annual coverage, with prices as low as $18.50 monthly, based on the options you choose for your policy; you can also add gear and equipment coverage as an add-on.
Insurance Canopy is licensed to sell insurance in all 50 states. Its quote process is quick and straightforward, taking less than 10 minutes. Once you purchase a policy, you have 24/7 access to all your policy documents. You can manage your policy, create and download a COI, and file a claim through your online account.
Thimble: Best for flexible, short-term event insurance
Pros
- Specializes in short-term liability insurance
- Get a quote in 60 seconds
- Purchase same-day coverage online
Cons
- Third party handles claims
- No 24/7 support options
- Can be difficult to reach anyone by phone
Standout features
- Lets you manage policies and claims and even purchase insurance through its app
- Offers short-term liability insurance available by the hour, day, or month
- Allows you to create and share an instant COI in 60 seconds through the app
- Enables you to get a quote and purchase a policy in minutes for same-day coverage
Financial rating: Most Thimble policies are written through Markel or National Specialty Insurance Company (NSIC). Markel’s AM Best rating and NSIC’s AM Best rating are both A- to A (Excellent).
Thimble offers flexible short-term policies, including hourly and daily coverage, making it ideal if you only perform once or twice a month and do not require full-time protection. Its platform also makes it easy to secure event-specific coverage, which is perfect for one-off performances or special occasions. If you’re looking for continuous, year-round coverage with more robust policy management and claims support, a provider like Next Insurance may be a better fit.
When starting the quote process, Thimble will ask if you seek 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.
I received a DJ insurance quote for general liability insurance that began immediately. It cost $21.88 monthly and carried general liability, with a limit of $1 million for third-party claims of bodily injury, property damage, and personal and advertising injury.
General liability, professional liability, business equipment protection, and business owner’s policies (BOPs) are available in all 50 states. Thimble’s complaints are lower than the national average, and its user interface is convenient for customers.
How I evaluated the best DJ insurance companies
When choosing the best DJ insurance companies, I focused on what matters most to working DJs. Understanding the basics of DJ insurance costs and coverage is important when making a decision, so I kept those factors in mind throughout my research.
I evaluated each insurer’s convenience, financial strength as measured by AM Best, customer service reputation, the variety of policies available, and the overall experience of being a policyholder.
DJ insurance on Reddit
I checked Reddit’s r/DJ subreddit to see what people have said about finding the best DJ insurance companies. The most recent information was 12 months old.
One Redditor suggested purchasing insurance to protect yourself at each event you work. Since event coverage is available without having to purchase a policy for an entire year, it’s best to take advantage of it to ensure you’re covered.
Another comment addressed accidents that can happen involving your equipment. Suppose you are a DJ at a private event space and someone trips over your equipment and is injured. In that case, you will have difficulty getting your homeowner’s or renter’s insurance to cover that liability exposure.
Frequently asked questions (FAQs)
DJ insurance is a specialized policy designed to protect DJs from potential liabilities and financial losses associated with their profession. It typically includes general liability coverage, which protects against claims of bodily injury or property damage, and may also cover equipment theft or damage.
DJs should look into general liability insurance to cover third-party claims, equipment insurance to protect their gear, and professional liability insurance for claims related to their services. Some insurers also offer short-term event coverage for one-off gigs.
Yes. Any time a DJ works at a venue or in another business, that business can request a certificate of insurance (COI), a one-page document listing your coverage.
DJ insurance typically costs anywhere from $15 to $30 monthly for general liability, with annual policies ranging from $180 to $360. Prices vary based on your location and equipment value and whether you need coverage for one event or year-round protection.
Yes, and here’s an example of why: If your setup isn’t clearly marked — and even if it is — and a dancer wanders back where they shouldn’t, trips on a wire, and gets hurt, your business could be held liable for any injuries the individual sustains from their fall. In other words, lots of different things could go wrong, and those could lead to your business filing a claim.
Bottom line
Your music sets the tone for some of the most memorable moments in people’s lives — and that is why having the right insurance is essential. It allows you to focus on entertaining others without worry. I researched several insurers to find the best DJ insurance companies to protect your equipment and professional reputation.
Next Insurance stands out as the top choice for DJs. You can visit its website to get a free quote and purchase an affordable policy within minutes.
