DJ Insurance

A comprehensive DJ liability insurance policy typically includes the following coverage:

• Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, protects DJs from costs associated with third-party bodily injuries and third-party property damage caused by your services and allegations of defamation or false advertising. It may also include product liability insurance to cover bodily injuries or property damage caused by a product you manufacture, distribute for free, or sell.

• Commercial Property Insurance: Commercial property insurance covers your studio, contents, and equipment if damaged by water, fire, a natural disaster, or if your space is broken into and expensive gear is stolen or vandalized.

• Equipment Breakdown Insurance: DJs rely on high-quality equipment to perform. From turntables, mixers, and laptops to speakers, headphones, and a DJ controller, if any component should suddenly malfunction because of an internal mechanical issue, electrical short, or power surge, it can impact your performance and bottom line. Equipment breakdown insurance pays to repair or replace your valuable equipment if affected by mechanical or electrical breakdowns.

• Professional Liability Insurance: Also called errors and omissions (E&O) insurance, professional liability insurance protects DJs from allegations and claims of professional negligence, misconduct, misrepresentation, and failing to deliver a service as promised. It’s designed to provide funds for your legal defence if sued and settlements.

• Contractual Liability Insurance: Contractual liability insurance protects your finances from third-party bodily injury or property damage claims you assume responsibility for in the client contracts you sign. If a claim arises due to your contractual obligations, it can cover the costs associated with legal defence, settlements, judgments, and other related expenses.

• Cyber Liability Insurance: If you collect and store client information for event bookings through a website or email or accept digital payments for your services, you can be liable for damages if you suffer a cyber-attack or data breach that exposes your clients’ confidential information and causes them financial harm. Cyber liability insurance provides support to help deal with and recover from cybercrime-related events. It can pay for incident response costs, legal advice, credit monitoring, and repairing and restoring your software systems damaged by a cyber event.

• Event Liability Insurance: When hosting or organizing concerts, live performances, and parties, DJs need event liability insurance to protect their finances from third-party bodily injury and third-party property damage claims that may arise during the event. For example, if you rent a venue to host a live performance, and whether alcohol is served at the show or not, the venue owner will expect you to have coverage to pay for any damages that occur on their premises by you or attendees to your show.

There may be other coverages your policy requires. For example, if you rent or lease vehicles to shuttle your gear to and from events, or have an assistant or employee who uses their car or van for work-related purposes, you might require hired and non-owned commercial auto insurance to pay for damages to vehicles you don’t own if they’re in an accident.