NEXT earned our top spot for the best small business insurer for DJ companies due to its affordability and customer service. However, we recommend comparing quotes from our top picks, including The Hartford, Simply Business and biBerk.
Best DJ Business Insurance
Updated: June 27, 2025
Advertising & Editorial Disclosure
Key Takeaways
NEXT is the best business insurance company for DJ firms because it offers the greatest balance of affordability and customer service.
The cheapest overall commercial insurance provider for DJ businesses is NEXT, with low monthly rates for various coverage types.
To shop for business insurance for your DJ business, assess the risks in your industry, consult agents and other similar organizations, and compare multiple options.
Best Business Insurance for DJ Companies
| NEXT | 96 | 98 | 94 |
| The Hartford | 95 | 96 | 91 |
| Simply Business | 94 | 98 | 83 |
| biBerk | 92 | 94 | 91 |
| Nationwide | 90 | 88 | 91 |
| Progressive Commercial | 88 | 91 | 81 |
| Hiscox | 87 | 89 | 87 |
| Chubb | 87 | 83 | 87 |
| Thimble | 85 | 86 | 81 |
| Coverdash | 85 | 80 | 83 |
*All scores were based on a DJ business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. NEXT
pros
Best customer service experience
Tied for the highest affordability score
Large coverage selection
cons
Slower quote times than competition
Lower financial stability ratings
COMPANY HIGHLIGHTS
NEXT is the most well-rounded business insurance provider for DJ businesses, offering a balance of superior customer service, competitive pricing and comprehensive coverage options. Although the company is relatively new to the insurance market and has less than a decade of experience, NEXT has achieved an impressive 4.7 out of 5.0 customer rating, with over 3,000 reviews from policyholders. It's also tied for first in affordability, with rates as low as $12 for general liability insurance
2. The Hartford
pros
Lowest professional liability insurance rates
Extensive experience with over 200 years in the industry
Highest financial stability ratings
cons
Less affordable for workers' comp policies
COMPANY HIGHLIGHTS
The Hartford has earned a strong position in our DJ business insurance rankings, leveraging its 200-year industry experience. It offers attractive professional liability coverage rates, essential for DJ professionals facing unique event services and equipment risks.
The Hartford maintains high customer satisfaction scores from thousands of small business clients across the entertainment industries. At the same time, its A+ rating from AM Best ensures DJ owners can rely on prompt and reliable claims processing when needed.
3. Simply Business
pros
Lowest BOP insurance rates for DJs
Ability to get quotes from multiple places
cons
Policies are underwritten by third-parties
Cannot file claims
Fewer coverage options than other insurers
COMPANY HIGHLIGHTS
Simply Business secured third place in our DJ business insurance rankings by offering a comprehensive marketplace approach that connects DJs with multiple insurance providers. It excels at helping entertainment professionals compare coverage options and rates from various insurers, making it easier for DJs to find tailored policies that match their specific needs and budget requirements. It offers competitive rates for different types of coverage, but a third party will underwrite your policy.
Cheapest Business Insurance for DJ Firms
Based on our study, companies like Simply Business and NEXT offer the cheapest overall commercial insurance for DJ companies. However, this applies only to DJ companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for DJ Companies
With an average monthly rate of $12, Simply Business offers the lowest-cost general liability insurance for DJ companies. Consider also getting quotes from the next-most-affordable insurers: biBerk and The Hartford.
| NEXT | $12 | $146 |
| Simply Business | $12 | $138 |
| biBerk | $15 | $186 |
| The Hartford | $16 | $191 |
| Progressive Commercial | $19 | $229 |
| Nationwide | $20 | $240 |
| Hiscox | $21 | $251 |
| Chubb | $24 | $283 |
| Thimble | $24 | $294 |
| Coverdash | $34 | $406 |
Cheapest Workers' Comp Insurance for DJ Companies
Thimble offers the lowest-priced workers' comp insurance for DJ companies, with rates starting at $6 monthly or $72 annually. Still, it’s worth checking quotes from other low-cost insurers like Hiscox, biBerk, NEXT and Coverdash.
| Progressive Commercial | $6 | $78 |
| Thimble | $6 | $72 |
| biBerk | $7 | $85 |
| Coverdash | $7 | $83 |
| Hiscox | $7 | $81 |
| NEXT | $7 | $84 |
| Simply Business | $7 | $80 |
| The Hartford | $7 | $82 |
| Chubb | $8 | $97 |
| Nationwide | $8 | $91 |
Cheapest Professional Liability Insurance for DJ Companies
The Hartford offers the most affordable professional liability insurance options for DJ companies, with low average monthly rates of $41. You may also want to compare prices from other low-cost providers like NEXT, Progressive Commercial and Thimble.
| The Hartford | $41 | $487 |
| NEXT | $42 | $507 |
| Progressive Commercial | $43 | $519 |
| Hiscox | $45 | $542 |
| Simply Business | $45 | $540 |
| Thimble | $45 | $535 |
| Coverdash | $46 | $552 |
| biBerk | $47 | $560 |
| Nationwide | $49 | $587 |
| Chubb | $53 | $634 |
Cheapest BOP Insurance for DJ Companies
Simply Business provides the most affordable business owner's policy (BOP) coverage for DJ companies, with an average yearly cost of $207 for bundled general liability and property protection. That's a savings of roughly $4 annually compared to NEXT, the second most affordable option.
| Simply Business | $17 | $207 |
| NEXT | $18 | $211 |
| biBerk | $20 | $241 |
| The Hartford | $20 | $243 |
| Progressive Commercial | $29 | $346 |
| Nationwide | $30 | $360 |
| Hiscox | $31 | $377 |
| Chubb | $35 | $423 |
| Thimble | $38 | $455 |
| Coverdash | $49 | $592 |
What Type of Coverage Do You Need for a DJ Business?
Most businesses with employees are legally required to carry workers' comp insurance, and those using vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. A surety bond may also be necessary in certain industries, when contracts require guarantees of service or compliance.
RECOMMENDED DJ BUSINESS COVERAGE
General liability insurance is strongly recommended for DJ companies because it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. This coverage is useful for companies offering specialized services or handling large contracts with a higher risk of disputes.
How to Get the Best Cheap Business Insurance for Your DJ Company
Below is our step-by-step guide to find the best and cheapest business insurance for your dj company.
- 1
Decide on coverage needs before buying
Consider risks specific to your business for claims, get advice from similar businesses, talk to agents and research the types of business insurance. This will give you a balanced perspective on your coverage needs.
- 2
Research costs
Research average costs for your business profile and determine which providers offer the cheapest rates overall. This will give you a measuring stick for how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
Research what customers say on online rating sites and forums to get a more comprehensive look at company services. Also, to align with your coverage needs and future ones, research coverage options.
- 4
Compare multiple quotes through different means
Compare multiple quotes. Pricing differs by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your DJ Business's Liability Risk
Reducing liability risk is key to managing insurance costs effectively for DJ businesses. We've organized practical risk mitigation strategies based on your business's risk level or service type to help you navigate these challenges efficiently.
DJ Business Risk Type | Included Types of DJ Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | Large outdoor festivals, multi-day events, concerts with pyrotechnics, rooftop/elevated venue performances, events with special effects (fog, lasers, confetti cannons) |
|
Moderately high | Nightclub performances, large wedding receptions (200+ guests), corporate events, school dances, outdoor parties with extensive lighting rigs |
|
Moderate | Standard wedding receptions, birthday parties, corporate meetings, small venue performances, karaoke events, basic lighting services |
|
Moderately low | Small private parties, intimate gatherings, background music services, ceremony music, consultation services, playlist creation |
|
Lowest | Music consultation, playlist advice, equipment recommendations, event planning consultation, virtual DJ services, music licensing guidance |
|
Best Insurance for DJ Business: Bottom Line
NEXT is the best insurer for DJ business insurance, while it also offers the cheapest option overall. We also recommend getting quotes from The Hartford, Simply Business and biBerk. For the best deal, talk to agents, research providers and pricing, and compare multiple quotes side by side.
DJ Business Insurance: FAQ
This section addresses frequently asked questions about DJ business insurance, helping you understand your options and make informed decisions.
Who offers the best DJ business insurance overall?
NEXT offers superior insurance for DJ businesses, boasting excellent customer service and a MoneyGeek score of 96 out of 100. The Hartford closely follows as a solid contender.
Who has the cheapest business insurance for DJ companies?
Here are the cheapest business insurance companies for DJ companies by coverage type:
- Cheapest general liability insurance: NEXT at $12 monthly
- Cheapest workers' comp insurance: Thimble at $6 monthly
- Cheapest professional liability insurance: The Hartford at $41 monthly
- Cheapest BOP insurance: Simply Business at $17 monthly
What business insurance is required for DJ organizations?
DJ businesses legally require workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles), with requirements varying by state. Most commercial clients and property leases effectively require general liability insurance and surety bonds.
How much does DJ business insurance cost?
Business insurance costs for DJ businesses vary depending on the type of coverage. Below we've broken down costs for commonly needed coverage for small businesses:
- General Liability: $23 per month
- Workers Comp: $30 per month
- Professional Liability: $24 per month
- BOP Insurance: $41 per month
How We Chose the Best DJ Business Insurance
We selected the best business insurer for DJ companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 27, 2025.
- NEXT. "Customer Reviews." Accessed June 27, 2025.