What is DJ Insurance?
Liability insurance designed for DJs to help cover them from third-party insurance claimsReady to Get Started?
What is DJ Insurance?
DJ insurance is liability insurance tailored for DJs to help protect them from claims made by a venue, client or guest
DJ insurance is usually a combination of general liability insurance and inland marine insurance (i.e. DJ equipment coverage). DJ insurance can help cover a claim related to the daily operations of your DJ services. For example, if one of your client's guests gets injured while dancing to your set or you damage a venue space you're performing at, DJ insurance can help cover the costs of these claims.
DJ insurance can also help cover the legal overhead for eligible claims made against you, medical payments awarded from third-party bodily injury claims, and repair costs for damage done to the hotel or venue's property.
DJ insurance is vital, and it helps to keep you protected from expensive legal costs for eligible claims that can easily stack up. It is an effective way of ensuring the integrity and wellbeing of your career as a DJ.
DJ Insurance from ProSight
Extensive liability coverage to help protect you from a third-party insurance claim. Includes equipment coverage (up to $20,000) to help protect your DJ equipment
Bodily Injury Claims
A guest trips over your power cables, gets injured, and sues you to pay their medical bills.
Property Damage Claims
The floors at the venue you're performing at get damaged, and the landlord sues you to repair them.
Equipment Damage Claims
A guest spills a drink on your MIDI controller, damaging the buttons and rendering it useless.
Who Needs DJ Insurance?
Liability insurance for DJs can be a critical piece to being a successful DJ professional
DJ insurance can be as important, if not more important, than the gear you need to play your set. This is true whether you are performing live at a local venue, emceeing a client's wedding at a hotel or DJing a party at a township event.
DJ liability insurance may also be a requirement for DJs who work as independent contractors for commercial DJ businesses. Independent contractors are seldom covered by the business owner’s liability insurance, so it is critical for them to get their own DJ insurance coverage.
If you’re an employee of a commercial DJ business, there is a good chance you are already covered by your employer's policy, but you should double check this with them. Getting your own DJ insurance still might make sense, especially if your employer's coverage isn't adequate enough.