DJ Insurance

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

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DJ insurance UK
DJ insurance UK
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Quickly priced
Buy online 24 hours.
Buy online
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Instant cover
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A few coins.
Pay monthly
The problem

Self-employed DJs face many risks

The crowd taking it too far

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

Infringement of copyrights

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 make sure they have the right to include the music they play.

Damage to your equipment

No doubt your laptop, decks, CDJs, headphones form part of your essential work kit. Damage or loss can quickly bring your operation to a halt.

Electric shock to a customer

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

Mobile DJ insurance

You need insurance for DJs that's flexible, easy to change and competitively priced.

the suited way
Insurance made better

Self-employed insurance done fast, clear and upfront.

DJ public liability insurance.
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More flexible

Make changes instantly, easily and for free.

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No extra fees

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

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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.

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UK support

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

Covers to consider

How much does DJ insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers DJs should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 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

Self employed professional indemnity insurance

Professional indemnity

from £8.63 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

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 +£9.24 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...

Chezza
on Trustpilot
14 February
Great!

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...

Mokolada
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
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

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

Included
In detail

What to look in insurance for DJs

As a DJ, people look to you to bring the party and keep them dancing all night long. 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.

DJ public liability insurance

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’re getting started, you knock over a drink that someone has placed by the decks, and it 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.

You’d probably want to disappear into the crowd and drink away the shame to forget the incident. But the next morning, you might wake up to more than a hangover. The venue could send you an eye-watering bill for the damage you caused to their property, demanding an urgent payment. As someone who relies on bookings to make their money, it’s possible you wouldn’t have anywhere near enough to cover the bill. A situation like this can easily escalate, with the venue threatening legal action if you don’t cough up the money.

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 involved, including any money you are ordered to pay.

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, you might think the risks are smaller. 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.

Professional indemnity insurance for DJs

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

As such you should also consider protecting your reputation and bank balance against legal claims of professional misconduct. This is what professional indemnity insurance does for you as an artist.

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 that was taken the wrong way – 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.

With professional indemnity insurance, you’d be protected against those types of legal claims against you as a professional.

Any legal fees would be paid, as well as any money you were ordered to pay.

This could also come in handy if you found yourself in an emergency that meant you couldn’t make it to a gig that you had agreed to play. While you can say sorry, an apology only goes so far, and the customer or venue might decide that you need to share their financial pain even if it means a trip to court.

DJ equipment insurance

Remember your first piece of DJ equipment? No doubt you 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 in making sure 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 risk that equipment could be damaged while it’s 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 of electronic equipment and accessories that takes care of the repair or replacement costs. With your DJ equipment insured you can have peace of mind when you’re on the way to your next gig.

In this section
FAQs

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.

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

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Once you buy
If your plans change

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

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14 day promise *

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

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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.

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

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