Learn About Insurance Coverage for DJs
General Liability Insurance
Disclaimer: This is a general description. Please refer to a policy for details about coverages, forms, and exclusions.
General Liability Insurance for Performers and Entertainers
This provides protection for the Policyholder against claims of accidental bodily injury liability, property damage liability, and the litigation costs to defend against such claims
This program (or policy) depending on which you purchase, provides protection for the Policyholder against claims of unintentional bodily injury liability, property damage liability, and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. Different limits of insurance are available.
COVERAGE MAY INCLUDE SUITS ARISING OUT OF:
- Injury or death of spectators
- Property damage liability
- Products liability coverage (completed operations)
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
PARTIAL LIST OF EXCLUSIONS
Abuse or molestation (unless optional coverage is selected), aircraft, all acts of terrorism, asbestos liability, claims made by athletic participants, employment-related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, pyrotechnics activity, total pollution, violation of the CAN-SPAM act, war liability and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.
The online quote and buy system offers Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit.
HIRED AND NON-OWNED AUTOMOBILE LIABILITY COVERAGE
This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on performer business.
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.
Property and Equipment Coverage
Insurance for Disc Jockey Equipment
Coverage is available for equipment such as computers, turn tables, DJ stands and other equipment used as part of your business. We can help you find coverage for mobile equipment. Beware of buying coverage that is limited to your business address. Since you are probably going to different locations as part of your business, you need to have coverage for your gear at different locations.
The online purchasing program is for liability insurance only.
Please fill out the form below for a quote for equipment coverage:
Workers Compensation Insurance
You need workers compensation insurance if you have employees, in most states. You may also need it if you use independent contractors.
- If you are a single DJ, you can buy general liability insurance online.
- If you have employees, please click here to request a quote.
- If you have a partner and are 2 DJs, please click here to request a quote
If you use independent contractors, then each independent contractor will need to buy their own policy. You can purchase those policies here.