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.
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.
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.
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.
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What insurance do DJs need?
Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers DJs should consider include:
Public liability insurance for DJs
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 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 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.
Included with your insurance
When you decide to protect your business with Suited we want you to get more than just insurance. That's why with every policy subscription we include Business Legal Protect. From the moment you sign up you gain access to extra support services which are all part of our price.
£100k of legal cover
- IR35 & HMRC investigations
- Legal matters concerning your business
- Negative PR (£25,000 cover)
- Criminal prosecution
- Compliance & regulation issues
- Unpaid invoices (over £200)
- Free tax advice
- Free commercial legal advice
- Counselling for you and your staff
- Access to a legal template library
- Identity theft assistance
My work contract requires professional indemnity insurance. Suited were quick to call back and very helpful explaining the product to me. Suited offers a trustworthy, professional service and a peace of mind.
Suited was easy to use, to the point, concise, I found everything I was looking for , was covered. The process was efficient and quick. Fast forms to fill in. I think the price was pretty competitive too.
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