DJ Insurance

DJ Insurance

Customized, comprehensive liability insurance for Canadian disc jockeys to safeguard their assets and reputations

Zensurance - DJ Insurance

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Disc Jockey

Liability insurance for DJs

Disc jockeys (DJs) create memorable moments and a celebratory atmosphere at every event. They spin or play the music we love to hear, building anticipation and setting the right ambience.

They typically also serve as MCs, coordinate activities, and have expertise in selecting the right music to match the mood and theme of every event through access to vast libraries of music that appeal to diverse musical tastes.

However, DJs face several liability risks in their line of work. From the possibility of injuries to clients, equipment failures, or failure to meet client expectations, all DJs need a liability insurance policy to protect their finances and reputations.

DJ insurance is a customized policy containing several coverages to address professional DJs’ liability risks.

It provides financial protection in the event of third-party damages, accidents, client disputes, or claims that could potentially lead to legal or financial consequences that could derail a DJ’s livelihood.

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.

Insurance providers determine the cost of DJ insurance based on your business’s details. Although different insurers charge varying annual premiums, the price of a policy is determined by:

  • Your location
  • The services you provide
  • The type and value of the equipment you own
  • How many employees you have (if applicable)
  • The insurance coverage you choose and the coverage limits
  • Your annual and gross projected revenue
  • Your insurance claim history

Getting insured is quick and easy!

Complete our 5-minute online application for a free DJ liability insurance quote.

Common claims scenarios

champagne glasses

Problem: While using a ladder during the setup of a lighting display for an event at a banquet hall, the ladder tips over and smashes a table of champagne glasses owned by the venue.

Outcome: Your commercial general liability insurance may cover the cost of replacing the destroyed champagne glasses.

Problem: A client who hired you is unhappy with your service and accuses you of failing to deliver a service as promised. They threaten legal action against you.

Outcome: Your professional liability insurance may cover your legal fees if sued and any settlements negotiated with the angry client.

DJ equipment

Problem: A guest trips over one of the cables near your setup, falls, and requires medical attention.

Outcome: Your commercial general liability insurance may cover the injured guest’s medical and rehabilitation expenses.

Frequently asked questions

Why should DJs get liability insurance?

Your clients want to hire a professional DJ for their wedding, party, or corporate event. Having DJ liability insurance and a valid certificate of insurance to show your clients demonstrates your professionalism. Moreover, a DJ liability insurance policy doesn’t only protect you and your equipment; it also protects your clients and their guests if someone is injured or an unexpected incident occurs that causes others financial or physical harm.

Does Zensurance provide one-day DJ event insurance coverage?

No. Zensurance offers low-cost annual policies to protect disc jockeys year-round for every event or occasion they host. An annual liability policy offers DJs the benefit of continuous coverage throughout the year at a more affordable price than buying separate one-day policies for multiple events, and annual policies cover a broader scope of risks.

Can I add other parties to my DJ liability insurance policy as additional insureds?

Yes. In most cases, you can add a venue owner, event organizer, or an employee to your policy if you wish. By doing so, your policy provides them with limited protection for damage or loss claims.

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Ready to start? Let’s get a quote!

Before you drop the needle at your next event, get a comprehensive DJ insurance policy from Zensurance so you can focus on performing, mixing, and producing music without worrying about what to do if something goes wrong.

Fill out our online application for a free quote. Our knowledgeable team of brokers can tailor a low-cost liability insurance policy that suits your requirements and ensure you are adequately protected from one block rockin’ beat to the next.