Last Updated: May 30, 2024, 1:21 pm by TRUiC Team

Mobile DJ Business Insurance

Getting insurance for your mobile DJ business is essential.

Mobile DJ businesses need to be protected against claims involving things that could foreseeably occur and cause financial loss, such as client injuries, negligent acts, or contract violations. 

For example, a customer may trip over your equipment at an event and sustain an injury, or an venue may claim that you caused negligent damage during one of your performances.

We’ll help you find the most personalized and affordable coverage for your unique business.

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Recommended: Next Insurance is dedicated to matching small businesses with the right policy at the best price.

Best Insurance for a Mobile DJ Business

General liability insurance is — generally speaking — one of the most important insurance policies for a mobile DJ business.

Some of the risks general liability insurance covers are:

  • Bodily injury
  • Property damage
  • Medical payments
  • Legal defense and judgment
  • Personal and advertising injury

Nonetheless, your mobile DJ business may benefit from acquiring additional coverage depending on its employee structure, size, and asset portfolio. 

Other business insurance policies that you may want to consider include:

  • Professional liability: This is also known as E&O insurance (errors and omissions), and protects you from negligent acts or omissions (i.e., not doing what you were required to do.) that cause a client financial loss. 
  • Commercial auto: This may be a legal requirement if you plan to purchase or lease a company vehicle.
  • Commercial property: This will cover the cost of repairing or replacing your DJ equipment in cases of damage or theft. 

When finding the best business insurer for your mobile DJ company, you will likely benefit from going with an online insurer — rather than a traditional brick-and-mortar alternative.

This is because it can be the more affordable option due to the lower overhead involved while still allowing for a relatively high amount of customization.

Let's Find the Coverage You Need

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Cost of General Liability Insurance

On average, mobile DJs in America spend between $500 - $1,100 per year for $1 million in general liability coverage.

Compare the average cost of general liability insurance for a mobile DJ business to other professional industries using the graph below.

Several factors will determine the price of your policy. These include your:

  • Location
  • Deductible
  • Number of employees
  • Per-occurrence limit
  • General aggregate limit

You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.

A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.

Graph showing average price of general liability insurance prices per industry

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Find the Best Rate

Discover the best coverage at the lowest rate in our affordable business insurance review.

Common Situations That General Liability Insurance May Cover for a Mobile DJ Business

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Example 1: As you welcome a potential customer into your showroom, they accidentally trip over a cord and break their arm. General liability insurance coverage would cover the customer’s medical costs and any other damages in the event of a lawsuit.

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Example 2: You’re unloading your equipment from a pallet jack and accidentally drop it on an uneven surface. The fall smashes a huge amp into the stage and breaks through the floorboards. Not only is the stage damaged, but the amp also rips through the venue’s existing setup. General liability insurance would cover the cost of repairs to the venue as well as replace any damaged, third-party equipment.

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Example 3: You often rent equipment to other DJs as well as customers hosting their own events. While a customer reviews your inventory, a set of decks falls from a display unit onto their shoulder. General liability coverage would cover the customer’s medical costs and any other damages in the event of a lawsuit.

Other Types of Coverage Mobile DJ Businesses Need

While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some of the most common types of coverage:

Commercial Auto Insurance

Whether you have a regular gig at the coolest club in town or you work more private events, you’ll need to regularly transfer your expensive equipment between venues. Even if you use your personal vehicle, you’ll need to invest in commercial auto insurance to ensure protection in the event of an accident. Personal auto insurance does not cover damages from accidents that occur while using your car for business purposes.

Commercial Umbrella Insurance

This insurance option provides coverage beyond your current policy limits in the event of an expensive accident or lawsuit. While an umbrella coverage policy helps cover costs if you cause an accident or damage a venue, it may require you to set your other insurance policy limits at their maximum levels.

Workers’ Compensation Insurance

If you employ part-time or full-time workers, you may be required to carry workers’ compensation insurance by state law. This insurance option covers medical expenses and other costs if an employee becomes injured on the job. Workers’ compensation insurance also covers disability and death benefits stemming from work-related accidents.

Data Breach Insurance

If you keep any customer data on file – including credit card numbers and addresses – this sensitive information may be vulnerable to cyber attacks. Data breach insurance offers peace of mind with an extra layer of protection in the event of a system breach.

Additional Steps To Protect Your Business

Although it’s easy (and essential) to invest in business insurance, it shouldn’t be your only defense.

Here are several things you can do to better protect your mobile DJ business:

  • Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms.)
  • Set up an LLC or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
  • Stay up to date with business licensing.
  • Maintain your corporate veil.

Mobile DJ Business Insurance FAQ

Yes, absolutely. You will need to first get a quote from an online business insurance provider like Next Insurance. Next allows you to then purchase a policy immediately and your coverage will be active within 48 hours.

A typical business owner’s policy includes general liability, business interruption, and commercial property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company’s needs.

"Business insurance" is a generic term used to describe many different types of coverage a business may need. General liability insurance, on the other hand, is a specific type of coverage that business owners need to protect their assets.

Yes. As a mobile DJ business, you will likely need to invest in a company vehicle (i.e., to transport your equipment), which will mean that you may be legally required to purchase commercial auto coverage.

Regardless, getting business insurance as soon as possible is recommended as it is impossible to know exactly when you will need it. 

Not necessarily. Certain exceptions may be written directly into your mobile DJ business insurance policy, and some perils may be entirely uninsurable.

Yes, an LLC is meant to create a legal barrier between your business and your personal assets and credit. If you haven’t formed an LLC yet, use our Form an LLC guide to get started.

An LLC doesn’t protect your business assets from lawsuits and liability– that’s where business insurance comes in. Business insurance helps protect your business from liability and risk.