DJ insurance
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Rated 4.7/5
Based on 39,376 reviews
Claims paid in 24 hours
For 80% of settled claims
Why is DJ insurance important?
It’s all too easy to claim against a DJ. Heavy equipment, contractual agreements, employee health and safety – these are expensive risks. For example, if someone gets injured and you’re served with a claim, would you have the funds ready to set things right? Start with DJ public liability insurance, and add any extra cover you need.
- DJ insurance, UK-based claims and customer service team
- Public liability insurance – DJ liabilities covered up to £10 million
- Mobile DJ insurance, protecting you at an event or while you get on with admin
What does DJ insurance cover?
Whether it’s your first gig or your fiftieth, as a DJ you promise escapism. Your client won’t usually have their eye on all the risks and what-ifs, but covers like public liability insurance for DJs are designed to take care of that. Use our cover options to set up specific insurance, pay monthly if you need to, and add protection for any employees.
DJ public liability insurance
In case your DJ business causes an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your DJ business.
DJ equipment insurance
In case something happens to your essential kit.
Legal expenses insurance
In case you have to pay legal costs connected with your DJ business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
DJ public liability insurance
In case your DJ business causes an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone’s property, caused by your DJ business
- an injury or illness caused by your business activities or products
- accidental damage or injuries caused by your employees
For example:
- a wedding guest trips on one of the wires you’ve left out, falling and breaking their nose
- you accidentally scratch the flooring in the venue you’re working, while setting up your decks
What you’ll need additional cover for
- road accidents, and claims related to your vehicle – these will usually be handled by your car or van insurance policy
If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your DJ business.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury or illness that happens as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- one of your employees suffers hearing problems after a night you’ve run together, and brings a claim against you
DJ equipment insurance
In case something happens to your essential kit.
What’s typically covered by DJ equipment insurance?
- theft of the equipment you use to operate, from your laptop to your decks
- loss of your equipment
- flood, fire, or accidental damage
For example:
- your new amps are stolen from your locked garage while you’re away on holiday. They’re located by the police, but damaged beyond repair
- a leak in your business unit causes water damage to your essential equipment
Read more about business and office equipment insurance
Legal expenses insurance
In case you have to pay legal costs connected with your DJ business.
What’s typically covered by legal expenses insurance?
- legal costs attributed to your DJ business
- property damage, nuisance, or trespass and associated legal costs
- HMRC, tax, and compliance issues, if they come up
- includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your reputation as an in-demand DJ
For example:
- an employee brings a case against you after you let them go, following an incident at a wedding you were booked for – you need to pay for legal representation
- HMRC begin an investigation into your tax affairs and you require legal support across a six month period
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
What’s typically covered by personal accident insurance?
- accidental injury or death at work or elsewhere, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- you break your arm while on holiday and have to cancel two weeks of events
- your business partner drops an amp on their foot, causing a bed fracture which stops them working for a month
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does DJ insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £6.56 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.
Example DJ insurance quotes, real prices
£9.68 /month
£76.78 /month
A part-time DJ covering funcations in the local area
- Less than 1 years' experience
- Sole trader
- No employees
- Based in Birmingham
Public liability
£1,000,000
Employers’ liability
Not included
Contents & business equipment
£5,000
£39.29 /month
£349.23 /month
A freelance dj who working across the UK in large venues and at big events
- 5+ years' experience
- Limited company
- No employees
- Based in G12 8BL
Public liability
£5,000,000
Employers’ liability
Not included
Contents & business equipment
£20,000
How we work out example quotes These examples are real quotes from our online system (created 23/09/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Which type of workers do I need insurance for?
Does DJ insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Which type of workers do I need insurance for?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Does DJ insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider band public liability insurance or musicians insurance?
Do I need cover for other types of work?
If you provide other services, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£28 million in claims paid out in 2021
Paying 80% of settled claims within 24 hours in 2021
Example claim
Having DJ insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
Amelia saved more than £5,200
While checking her equipment, Amelia (not her real name) found that six of her speakers had stopped working after blowing a fuse during a power surge. The DJ equipment insurance in her business insurance policy covered Amelia’s replacement costs.
Insurance payout
£5,248.45
Covering the cost of accidental damage
Amelia’s costs
£100
The excess amount stated in Amelia’s policy terms
Chosen by 800,000 small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then with 800,000 customers across 1,500 trades now trusting us to provide their business insurance.
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DJ insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about DJ insurance. You can also check out our business insurance FAQs.
This depends on your business, the clients you’re working with, and the venues you’re booked for. There’s no legal requirement to have public liability insurance in place, but most venues won’t let you work unless you do, usually at a pre-specified level. If your business was held responsible for a third party injury or property damage, DJ public liability insurance could cover the costs.
Our policies come with the option to add DJ equipment insurance – just make sure you complete the ‘business and office equipment’ section when building your quote. From your phone and laptops to your amps, decks and other essential kit, remember to tell us the full value of your equipment, and we’ll do the rest.
This depends on your business, and which insurer is providing your cover. Prices start from £6.79 a month for our DJ customers – we work this out by taking the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July - 31 December 2020). Most customers pay more than this but some pay less.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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