Business insurance is intended to safeguard the financial assets of a business owner and is an important investment for a mobile DJ.

Business insurance is intended to safeguard the financial assets of a business owner and is an important investment for a mobile DJ.

This article will discuss the primary insurance coverage for mobile DJs, general liability insurance, as well as additional policies that are appropriate for this industry.

Mobile DJs Need General Liability Insurance

Every firm, regardless of sector, has risks that should be insured. General liability insurance is the most frequent and comprehensive form of coverage that company owners purchase.

General liability insurance covers the following risks:

Physical harm

Property damage

Medical expenses

Legal defence and decision

Personal and commercial harm

While general liability insurance is not legally needed for companies, operating without it is exceedingly dangerous. If your company is sued, you might face costs in the hundreds of thousands of dollars (or more). The only way to avoid this sort of catastrophe from destroying your organisation is to have an adequate general liability insurance coverage in place to assist pay for these losses.


Example 1: A prospective buyer walks into your showroom and trips over a cable, breaking their arm. In the case of a lawsuit, general liability insurance would cover the customer’s medical expenses as well as any other losses.

Example 2: While unloading your equipment from a pallet jack, you unintentionally dump it on an uneven surface. The fall crashes a massive amp into the stage and shatters the flooring. The amp not only damages the stage, but it also rips through the venue’s current setup. General liability insurance would cover the cost of venue repairs as well as the replacement of any damaged third-party equipment.

Example 3: You often rent equipment to other DJs and consumers who are staging their own parties. A set of cards falls from a display unit onto a customer’s shoulder as they look through your merchandise. In the case of a lawsuit, general liability coverage would cover the customer’s medical expenses as well as any additional losses.

Of course, this is not an entire list of risks covered by a general liability insurance policy, and certain situations may result in a specific peril not being covered. To minimise coverage gaps, it’s always better to speak with your agent about the terms of your policy.

General Liability Insurance Cost

In America, mobile DJs pay between $500 and $1,100 per year for $1 million in general liability insurance.

The cost of your coverage will be determined by a number of variables. Among them are your:



Employees’ number

Per-occurrence restriction

The overall aggregate limit

You may be able to get general liability insurance at a lower cost if you buy it as part of a business owner’s policy (BOP) rather than as a separate policy. A business interruption policy (BOP) is a more complete option that covers numerous types of coverage, such as business interruption and property insurance.

Other Types of Coverage Required by Mobile DJs

While general liability insurance is the most crucial, there are various different types of coverage to be aware of. Other forms of insurance that all mobile DJs should have are as follows:

Insurance for Commercial Vehicles

Whether you work a regular engagement at the nicest club in town or more private gatherings, you’ll need to transport your pricey equipment between locations on a regular basis. Even if you drive your own car, you’ll need business auto insurance to protect yourself in the case of an accident. Personal vehicle insurance does not cover losses caused by accidents when driving for work.

Umbrella Insurance for Businesses

This insurance option extends your existing policy limits in the case of a costly accident or litigation. While an umbrella coverage policy might assist cover expenses if you have an accident or damage a venue, it may necessitate that you set your other insurance policy limits to their maximum.

Coverage Options for Some Mobile DJs

In addition to the policies listed above, your mobile DJ may need other forms of coverage based on key parts of your activities. Some of them may not apply to you, so be sure to ask your agent whether policies are appropriate for your company.

Insurance for Workers’ Compensation

If you employ part-time or full-time employees, you may be obliged by state law to purchase workers’ compensation insurance. If an employee gets harmed on the job, this insurance option will cover medical expenditures and other charges. Workers’ compensation insurance also covers disability and death payments resulting from on-the-job injuries.

Insurance for Data Breach

If you maintain any client information on file, such as credit card numbers and addresses, this sensitive information might be subject to cyber assaults. Data breach insurance provides peace of mind by providing an additional layer of safety in the case of a system compromise.

Additional Security Measures for Your Company

Although investing in company insurance is simple (and necessary), it should not be your first line of defence. Yes, insurance will reimburse your company for cash losses incurred as a result of an occurrence, but it is much preferable to avoid losses altogether.

With this in mind, here are a few steps you can take to better secure your company:

Make use of legally binding contracts and other business agreements. (We provide free templates for several of the most often used legal forms.)

To safeguard your personal assets, form a limited liability company (LLC) or a corporation. (To discover how to incorporate an LLC or company in your state, see our step-by-step tutorials.)

Keep your company licences up to date.

Streamline the internal procedures of your company. This will eliminate unneeded variables from routine activities and establish a secure, consistent environment in which to do business.

If your company is an LLC, you should check into LLC insurance.