DJ INSURANCE

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

General Liability

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Commercial Property

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Professional Liability

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Workers’ Compensation

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Other Coverages

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DJ insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the DJ insurance coverage you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Commercial auto
Workers’ compensation

You can save up to 25% in discounts on DJ insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

General Liability

Bought by 95% of business owners like you

General liability insurance covers a wide range of disc jockey accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by event venues.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you drive regularly for business reasons, such as transporting gear or traveling to different gigs.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers’ Compensation

For business owners who hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

How much does DJ insurance cost?

DJ insurance costs vary based on the risks that your business faces, such as:

The types of events you DJ
Where your venues are located
If you have any employees
The type of vehicles you use for work

Learn more about DJ insurance costs and coverage.

DJ insurance requirements

DJs are almost always required to have insurance due to the risk of injury to customers and guests and damage to venue property. You might need insurance to:

Get new gigs and DJ at events. Event venues might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.

Frequently asked questions about business insurance

Here are some of the most common questions we get about insurance for DJs. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect DJs?

Our affordable DJ insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You damage a venues’ flooring during load-in for a gig. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

An event guest trips over your power cords and gets an injury that requires medical attention. Your general DJ liability insurance coverage could also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

You strain your back while unloading your equipment. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

A thief smashes your car window. Luckily, your gear was safe in storage, but you need to replace the window and your upholstery. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Actors, Crafter, DJ, Event Planner, Motivational Speaker, Photographer, Tarot and Psychic Readers, Videographer, Wedding Planner

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.