DJ Equipment Insurance
Safeguard your essential gear with DJ equipment insurance today!
What Is DJ Equipment Insurance?
Equipment and Gear Coverage, aka inland marine insurance, helps cover the repair or replacement costs if DJ essentials like speakers, laptops, or mixers are damaged or stolen.
This coverage even extends to gear you rent for gigs (such as PA systems or fog machines). If you offer photo booth services at weddings or events, this coverage protects that equipment, too!
How Much Does DJ Equipment Insurance Cost?
Insurance Canopy offers two different coverage limits and pricing options for Gear and Equipment protection:
- $2,000 limit per policy year (+$7.50 /month)
- $5,000 limit per policy year (+$15 /month)
To get DJ equipment insurance, you need an annual DJ liability policy, which starts at $18.50/month or $199/year.
Learn more about what affects the price of DJ insurance and which optional add-on coverages are available in our DJ insurance cost guide.
Why Do I Need Insurance for DJ Equipment?
Inland marine insurance for DJ equipment helps pay to repair or replace stolen or damaged electronics, up to your coverage limit, so you’re not covering the full cost yourself.
For instance, if a rowdy dancer knocks over a speaker, DJ equipment coverage is designed to help pay for repairs or replacements, so you’re not out a whole paycheck (or more) getting your gear back up and running.
DJ equipment insurance can save you a headache, so you’re ready for whatever comes your way.
What Does DJ Gear Insurance Cover?
DJ gear insurance helps protect your DJ, karaoke jockey (KJ), or video jockey (VJ) gear if it gets damaged or stolen at an event. It can also help cover repair or replacement costs if your equipment is damaged or stolen on the way to or from a gig.
Some of the essential gear covered by DJ equipment insurance includes:
- DJ and audio: controllers, mixers, turntables, laptops, amplifiers, speakers, monitors, headphones, and microphones
- Lighting and effects: lighting rigs, truss, and fog and haze machines
- Video (VJ): projectors, LED screens, video mixers, and cameras
- Karaoke (KJ): karaoke machines and lyric display screens
- Power and transport: cables, cases, road bags, portable power supplies, and generators
Want to learn more about the best gear for DJs? Check out the latest DJ industry trends for more insights and tips to boost your business
Is DJ Equipment Insurance Worth It?
Claims could cost you thousands, but they don’t have to. With DJ equipment insurance, you’ll have a safety net if something goes wrong.
Common DJ gear claims (and what they could cost without Gear and Equipment coverage):
- Burned-out subwoofers – $4,000+
- Drink spilled on a laptop – $1,300+
- Power surge fried amplifiers – $400+
- Rain-damaged audio and lighting equipment – $100+
- Venue damage – $400-$5,000+
- Equipment stolen from locked vehicle – $2,000+
- Mixer knocked onto floor – $400+
Disclaimer: Coverage for equipment losses is subject to policy conditions and exclusions. Equipment value may vary based on age, quality, and condition.
How to Insure DJ Equipment
If you’re new to Insurance Canopy, simply select Gear and Equipment Coverage when filling out your online application.
Already have a policy? No problem. Adding DJ equipment insurance is as easy as 1-2-3:
FAQs About DJ Equipment Insurance
Does DJ Equipment Insurance Cover Rented Equipment and Photo Booths?
Yes! Your Gear and Equipment policy can cover rented gear and supervised photo booths. If you’re using gear that you rent but don’t own for your gigs (i.e., speakers, fog machines, or light displays), our inland marine insurance can cover you.
What Are Exclusions for Equipment Insurance?
DJ equipment exclusions include:
- Earthquakes
- Government actions
- Volcanic action
- Flooding
- Dishonest acts
Equipment and personal property that is not covered by DJ equipment insurance include:
- Business accounts, bills, valuable papers, etc.
- Aircrafts or watercrafts
- Precious metal jewelry
- Living organisms
Learn more about our inland marine coverage and exclusions.
Does DJ Equipment Insurance Cover Theft or Damage During Transport?
Yes, DJ equipment insurance can cover theft or damage during transport. For example, if your gear gets banged up in an accident while driving to a gig or your laptop is stolen from your locked car, your policy may pay to repair or replace it.
How Is the Value of My DJ Equipment Determined?
The value of your DJ equipment is determined by the lowest of these amounts:
- The cash value of the equipment
- The cost of restoring the property to the condition before the damage happened
- The cost of replacing your equipment with identical equipment
How Do I File a Claim for DJ Equipment Insurance?
Filing a claim for your DJ equipment insurance is as easy as setting up for your next set:
- Log in to your user dashboard
- Navigate to “Manage Policies”
- Click “File a Claim”
- Add your claim information (including photos, police reports, and any other supporting documents)
- Submit your claim
Note: It can take 24 to 48 hours to process your claim and anywhere from a few weeks to a few months to resolve. Keep a copy of your claim and related documentation in a safe place.