DJ insurance designed to protect your business
NEXT Insurance is a one-stop shop to help you get the DJ insurance coverage you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- General liability
- Commercial auto
- Workers’ compensation
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for DJ business insurance and save up to 10% when you bundle two or more of our policies.
General Liability
Bought by 95% of business owners like you
General liability insurance covers a wide range of disc jockey accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by event venues.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Commercial Auto
For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you drive regularly for business reasons, such as transporting gear or traveling to different gigs.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers’ Compensation
For business owners who hire employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
What customers say about us
DJs with a touch of class LLC
I needed insurance, to make sure that my company was covered as well as our clients, and Next gave us that piece of mind.
Robert P.
2/9/2023
Fast and easy
The process was quick, easy and (hopefully) easy if I ever have a claim.
Syrilyn T.
2/5/2023
Super Easy to work with
Had a school that needed to verify insurance and they wanted to be listed as the holder.
Chad H.
1/31/2023
Very Pleased
Very Simple Process, Excellent Cost, Had Just What I Needed. NEXT KNOCKED IT OUT OF THE THE PARK!!
joseph r.
1/29/2023
insurance for DJ
needed insurance for my small dj service. Application was straight forward and simple. Good customer service.
Kenneth B.
1/25/2023
Insurance
The Next Insurance Company is partnered with Legal Zoom. The online process is streamlined and convenient without any hassle. Therefore the need to check several places and drive a...
Ronald K.
1/13/2023
Just Getting Started
So far so good!! It would be nice to be able to talk to someone at NEXT
Philip G.
1/5/2023
Exceptional Representative!
I wish I remembered the gals name, but she did such a wonderful job of helping me with my questions and corrections that I needed to make. Super pleasant to speak with!
Nicholas S.
1/3/2023
Easy process
This is one of the easiest processes that I have ever used. It is self-explanatory and very quick. I am pleased with the price point as well!!
Majic E.
11/14/2022
easy & simple to jump in
The process of acquiring it is very simple. Haven't used yet and expect not to, but is always better to have it than encounter a situation and don't have it. Thank you.
Ricky C.
11/1/2022
You can save up to 25% in discounts on DJ insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does DJ insurance cost?
DJ insurance costs vary based on the risks that your business faces, such as:
- The types of events you DJ
- Where your venues are located
- If you have any employees
- The type of vehicles you use for work
Learn more about dj insurance costs and coverage.
DJ insurance requirements
DJs are almost always required to have insurance due to the risk of injury to customers and guests and damage to venue property. You might need insurance to:
- Get new gigs and DJ at events. Event venues might ask you to have active insurance — usually general liability or workers’ compensation.
- Hire employees. Most states require workers’ compensation.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Frequently asked questions about business insurance
Here are some of the most common questions we get about insurance for DJs. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
How does business insurance protect DJs?
Our affordable DJ insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Damage to someone’s property
You damage a venues’ flooring during load-in for a gig. The general liability coverage in your insurance package would help pay for a replacement.Accidents that hurt someone
An event guest trips over your power cords and gets an injury that requires medical attention. Your general DJ liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.Workplace injuries
You strain your back while unloading your equipment. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.Injuries and damage involving your business vehicles
A thief smashes your car window. Luckily, your gear was safe in storage, but you need to replace the window and your upholstery. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.What do I need to get an insurance quote online?
We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.
How can I get a certificate of insurance?
You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines.
If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free.
You can easily share your COI with anyone via email, text message or a social media post.
We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated.
Find out more details about your certificate of insurance.
How does the claims process work with NEXT Insurance?
- If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
- If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
- If you cannot access your online account and require help from our support team, please visit our online help center.
NEED A FAST CERTIFICATE OF INSURANCE?
Download the NEXT mobile app and get your COI in seconds.
More professions that are covered by NEXT
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.