DJ Insurance

Suited helps you secure DJ liability insurance quickly and without fuss. We're simply priced, flexible and upfront.

Rating: 4.8 - 24 reviews
Answer 4 questions to get an instant price.
Answer 4 questions to get a price.
DJ insurance UK
DJ insurance UK
DJ insurance UK
A stopwatch.
Quickly priced
Buy online 24 hours.
Buy online
A man going fast.
Instant cover
Top insurers
A few coins.
Pay monthly
Covers to consider

What is DJ insurance?

DJ insurance isn’t one product. DJs typically require several insurance products to meet their specific business needs.

Because DJs work with large groups of people in public spaces, public liability is often required. However, DJs also face the risks of being accused of professional misconduct, which is why professional indemnity insurance is also important. For expensive DJ equipment there is electronic business equipment insurance to help with the replacement and repair costs.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do DJs need insurance?

People look to you as a DJ to bring the party and keep them dancing all night, but there’s also a level of responsibility. The obvious risks are accidental damages to the venue's property or possibly to the belongings of ravers. The less thought of issues could be associated with your professional conduct as a DJ.

Electric shock to a customer

This is mainly a risk at older venues without an RCD (residual current device). It may be claimed that you failed to set up the set safely and caused an injury.

The crowd takes it too far

Do your mixes stir the crowd into a wild frenzy? Usually, that's what you want. But if things go too far, resulting in property damage, claims could be made against you.

Infringement of copyright

If it is found that a venue you’ve played at didn’t have the correct music licenses, the rightful copyright owner might come after you. It is a DJ’s responsibility to ensure they have the right to include the music they play.

Damage to your equipment

Your laptop, decks, CDJs, and headphones are part of your essential work kit. Damage or loss can quickly bring your operation to a halt.

Public liability insurance for DJs

Public liability insurance shields DJs from claims of causing accidental injuries or property damage.

Picture this: You’ve just been booked for the gig of your dreams; the venue is packed, and the crowd is electric. It’s time for your set, but just as you get started, you knock over a drink that someone has placed by the decks, which lands on the venue’s expensive CDJs. You can apologise and try to laugh it off, but you know as well as the venue owner – that equipment like that doesn’t come cheap.

That’s where DJ liability insurance steps in. Should any property damage occur while you’re working, your insurance will protect you against a legal claim. DJ public liability insurance will cover all the legal costs, including any money you are ordered to pay.

You might think the risks are smaller if you’re less of a nightclub DJ and work more as a mobile DJ at more intimate, private events such as weddings and family celebrations. But if an excited uncle decides he can’t wait another minute to hear you play Bohemian Rhapsody and rushes towards the decks, a rogue cable or case could get in his way, causing an injury. Similarly, you might find yourself losing a legal battle if it’s found that your equipment caused him to trip. The right mobile DJ insurance will have you covered, and you won’t lose a penny.

What does DJ public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands. 

If someone makes a claim against you for causing an accidental injury or property damage or loss, public liability will provide legal defence and pay compensation if you become liable.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • Trip or fall caused by your equipment
  • Accidentally damaging the venue’s electronic equipment

Professional indemnity insurance for DJs

Professional indemnity insurance defends you if your professional conduct and services are the subject of a legal claim against you. 

DJ insurance usually includes public liability cover only because that is what most venues will require. However, a DJ is a performer providing a service that is critical to a successful evening.

When people book you to play at their event, they want to hear your curated music and expert mixing skills that will keep them dancing late into the night. But they also book you as a person, and your name is your brand.

If a venue or customer felt your services fell short of their expectations – perhaps you misplaced a USB with all your best songs on it or got overly excited on the mic and said something wrong – they might feel they had grounds to demand compensation. Not only would this be time-consuming and expensive, but it would also tarnish your name as a professional.

You may also be in a situation where you can’t turn up at a gig.  At best, the client lets it go, and you’ll never get a booking from them again. On the other end of the scale could be a client determined to have you share their financial pain, even if it means a trip to court.

What does DJ professional indemnity insurance cover?

Professional indemnity insurance protects DJs from claims or accusations of wrongdoing from their professional advice.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you may be facing financial demands from a client because:

  • You failed to turn up, and your client suffered a loss of revenue
  • Something you said or did during a gig spurred the crowd on to cause damage or injury
  • You played unlicensed music, and your client is being sued for breach of copyright

What professional indemnity limit do DJs need?

The professional indemnity limit you need will reflect your particular business activities. When choosing a limit, consider several factors: how often you DJ, how many people you play to, and possible financial impacts if your DJing goes wrong.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your DJ insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I retire from DJ?

It’s wise to keep your professional indemnity if you retire from DJing. Claims against professional misconduct can surface months or years after you delivered the work. 

If a past client sues you for damages and you have cancelled your professional indemnity, you will not be covered.

How long you keep your cover in place is up to you; consider the type of DJing you did and the likelihood that a client might bring a claim against you. 

Other insurance DJs might need

Additional insurance necessary for you as a DJ can vary based on your individual circumstances. Have you considered the possibility of a legal dispute and whether you could afford it? What would you do if a client refused to pay you? Do you depend on costly DJ equipment? How would you handle a tax-related issue?

DJ equipment insurance

Remember your first piece of DJ equipment? You undoubtedly saved up for weeks to buy it, and it was your most prized possession once you got your hands on it.

As a professional DJ, you’ve probably levelled up a fair amount since then, investing thousands of pounds to ensure your equipment reflects your passion and skill for DJing.

Whether it’s your expensive laptop, decks, CDJs, headphones, or one of the many other pieces of costly kit that make your job possible, damage or loss can quickly bring the operation to a halt.

As someone who has to travel to work, the risk of losing a piece of equipment rises dramatically, as does the chance that equipment could be damaged while in transit or at an unfamiliar venue.

That’s why insurance for DJ equipment insurance is essential to protect your ability to perform.

Suited offers insurance for electronic equipment and accessories that covers repair or replacement costs. With your DJ equipment insured, you can have peace of mind when you go to your next gig.

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect DJs against various tax and legal issues you may encounter due to your profession, which are not picked up by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist DJs in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect provides qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You need legal help chasing a significant unpaid invoice
  • You’re in a contract dispute with a client

Shopping for DJ liability insurance

Whether or not you decide to use Suited DJ insurance to protect your business, it’s worth keeping the following in mind:

Cheap DJ insurance

It is important to remember that when choosing DJ insurance, price should not be the only factor to consider. It is crucial to also confirm the availability of the provider. At Suited, we pride ourselves on our quick turnaround time when responding to inquiries and offer multiple ways to contact us.


When it comes to DJ insurance, one-day deals are hard to come by, but a simple month-by-month subscription is a possibility. Suited is one of them.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
Suited awards.

Common questions

Do DJs need a music licence?

In most situations you will find that the music you play is protected by copyright and it will need to be covered by a licence before you use it. Every country has different rules. Always do your homework as you could be sued for damages.

Why would DJs need professional indemnity insurance?

Accusations of copyright infringement, causing offence, financial loss as a result of unprofessional conduct, or failure to provide contracted services. These are just a few scenarios a professional DJ could find themselves facing.

Do mobile DJs need DJ liability insurance?

More so that a DJ who relies on the venue to provide all the equipment. As a mobile DJ the risk of causing an injury or a property damage is much higher.

Does Suited offer DJ public liability insurance for one night?

We don’t but we offer monthly DJ insurance with prices much lower than a day insurance offered elsewhere. You can cancel it at any time.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
the suited way
Insurance made better

Self-employed insurance done fast, clear and upfront.

DJ public liability insurance.
A woman doing yoga.
More flexible

Make changes instantly, easily and for free.

A happy man paying no fees.
No extra fees

We give you one price, no APR or hidden extras.

A man in retro clothes.
Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

A plus rating.
Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

Map of UK.
UK support

Get help when you need it from our Bristol based team.

Contact us
Prefer to speak?

Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

A woman in a suit standing talking on the phone an carrying a cup of coffee.
Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

14 day promise stamp.
14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

A woman next to a  man jumping.
Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

Articles for
Ready to get started?

The fast and hassle free way to get business insurance for small professional outfits.

Answer 4 questions to get an instant price.
Answer 4 questions to get a price.
Insurance times awards 2023 finalist.


When you visit our website, cookies are placed on your computer, mobile phone or tablet. Their purpose is to help us improve the site experience, detect potential problems and assist our marketing efforts. You can customise your consent for each cookie. We take privacy seriously, here's how.