DJ & DISC JOCKEY INSURANCE —
READ THE EXCLUSIONS FIRST

A Disc Jockey program is written narrowly. It is built to cover the playing of recorded music and the necessary setup and teardown of sound and lighting equipment while performing Disc Jockey services. That is the scope. Activities outside Disc Jockey services are generally not covered, which is why the service list on your website matters as much as the policy itself.

Because your website is a list of what you do. If it advertises services the policy excludes — promoting concerts, providing live music, booking talent, renting equipment to others — there is a gap between what you sell and what you are covered for. Carriers do notice, and it is common for a broker to send a courtesy notice when a DJ's site lists services the policy will not respond to.

No. Promoter activities are excluded, including concerts across rap, hip hop, heavy metal, electronic and hard rock, along with raves, rave-like parties, and electronic music events. If you promote the event rather than only perform at it, that exposure needs to be addressed through concert promoter insurance or special event insurance — not a Disc Jockey policy.

Common exclusions include amusement devices, animal games and rides, rodeos, employment-related practices, fireworks and pyrotechnics, injury to performers, throwing objects into a crowd, motorized vehicles and watercraft, promoter activities, transportation services, live music services, booking agency services, film production, renting property or equipment to others, and any activities not related to Disc Jockey services. This list is not all inclusive, and exclusions relating to Property and Crime coverage as well as Liability coverage are found in your policy.

Equipment can generally be scheduled under an inland marine or equipment form, subject to policy terms, security requirements, and deductible. Keep serial numbers, receipts, and photographs on file, and file a police report promptly for any theft claim. Exclusions relating to Property and Crime coverage are set out in your policy and should be reviewed.

Most do. Venues commonly require proof of general liability and a certificate of insurance, often naming the venue as an additional insured, sometimes with primary and non-contributory wording or a waiver of subrogation. The requirements are set out in the venue's contract, so the fastest path is to send us that language and we will match the certificate to it.

The policy should match the entity that signs the contracts. If you operate through an LLC, the LLC is generally the named insured, and venues typically want the business name on the certificate. If you operate as a sole proprietor, the policy is written to you. Forming an LLC does not replace liability insurance a venue or client requires.

Auto exposure is not part of general liability. Motorized vehicles and transportation services are excluded from the Disc Jockey general liability program, so vehicle exposure is addressed separately, such as through hired and non-owned auto where eligible. Tell us how gear moves and who drives, and we will structure it.

Live music services and booking agency services are both excluded from the Disc Jockey program. Those are different operations with different exposures and they need to be underwritten separately. If you do both, tell us up front so the program is built around everything you actually do rather than leaving half of it uninsured.

Read the exclusions and compare them against your actual service list, including everything advertised on your website and in your contracts. Coverage terms need to be fully reviewed by the consumer to confirm what is being quoted matches what needs to be covered. If anything you do sits outside Disc Jockey services, raise it before you bind, not after a claim.