Best DJ Business Insurance

NEXT leads our rankings for DJ business insurance with a MoneyGeek score of 4.82 out of 5, earning top marks across all categories we evaluated. At $21 monthly, NEXT combines comprehensive coverage options with competitive rates for mobile DJ businesses and professional DJs.

Compare quotes from our other top picks, including The Hartford, Simply Business, biBerk and Nationwide, to find the best fit for your DJ service.

Note: We based all scores on a DJ business with two employees across professional liability, general liability, workers' comp and BOP policies.

NEXT leads DJ business insurance affordability at $21 monthly ($254 annually), offering the cheapest workers compensation and general liability coverage for mobile DJ businesses. NEXT ranks second for business owner's policies, trailing Simply Business by pennies. For professional liability, The Hartford offers better rates at $41 monthly compared to NEXT's $42.

In general, DJ business insurance costs are the following for the four most popular coverage types:

• General Liability: $26 on average per month, ranging from $22 to $31, depending on the state
• Workers' Comp: $14 on average per month, ranging from $12 to $16, depending on the state
• Professional Liability (E&O): $45 on average per month, ranging from $39 to $53, depending on the state
• BOP Insurance: $29 on average per month, ranging from $24 to $34, depending on the state

The required DJ coverage types include workers' compensation and commercial auto insurance when you have employees or business-owned vehicles, plus general liability and inland marine coverage to protect against guest injuries and equipment damage at every gig.

Professional liability and business owner's policies provide cover for contract-based work and home studio operations.

• Workers' Compensation Insurance: Required by law in nearly every state once you hire employees. Covers medical bills and lost wages when you or your team injures your back hauling speakers, strains muscles during setup, or gets hurt in vehicle accidents between gigs. Most DJ businesses carry at least $500,000 per accident coverage to meet state requirements.
• Commercial Auto Insurance: Required by law in most states if your DJ company owns vehicles. Covers accidents while transporting equipment to gigs, including collision damage and injuries to others. Your personal auto policy won't cover business use, leaving you exposed when hauling gear to events.
• General Liability Insurance: Wedding venues, corporate clients and event spaces require proof of coverage before you can set up. Protects you when guests trip over cables, you scratch hardwood floors during load-in or accidentally damage venue property. Most professional DJs carry $1 million per occurrence and $2 million aggregate limits to meet venue contracts.
• Inland Marine Insurance: Also called tools and equipment coverage, this protects your turntables, mixers, speakers and lighting while traveling between gigs or stored in your vehicle. Covers theft from your car, damage during accidents and equipment destroyed at venues. Most DJ services insure $10,000 to $50,000 in gear.
• Professional Liability Insurance: Protects against claims about double-booked events, technical failures that ruin receptions or missed performance commitments. Critical when you sign contracts promising specific services. Coverage typically ranges from $500,000 to $1 million per claim for mobile DJ businesses working weddings and corporate events.
• Business Owner's Policy Bundles: general liability with property coverage for DJ businesses operating from home studios. Covers both guest injuries and equipment kept at your studio location. Most policies start at $25,000 property coverage, ideal for solo DJs with dedicated home office spaces.

Follow these steps for getting business insurance for your DJ company that covers equipment, venues and liability risks without overpaying.

DJs need general liability, equipment and commercial auto coverage to protect against venue damage, stolen gear and transportation risks. 

NEXT offers the best business insurance for DJ businesses with instant certificates, coverage designed for mobile entertainment and affordable rates averaging $21 monthly. General liability starts at $11 per month, making essential protection accessible for professional DJs working weddings and corporate events.

We answer frequently asked questions about 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 the company 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 providers 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 companies are 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