As a general rule of thumb, every business utility and liability need insurance. DJs are no different. DJ equipment costs a lot and can become a burden of sudden damage. Thus, it’s ideal to have DJ insurance.
But, being a niche industry, having satisfactory, stable, convenient, and available policies is uncommon. It’s essential to seek professional help from an insurance provider that understands and caters to your specific insurance requirements, including coverage for equipment and liability.
Get ready to spin with confidence! In this article, we’ve handpicked the 5 best DJ insurance providers for 2023. From financial stability to customer satisfaction and convenience, we’ve considered it all. So, whether you’re a seasoned DJ or just starting, dive in and discover the ultimate protection for your DJ business. Let’s hit play and get insured!
- Next Insurance: Best overall provider for DJ insurance
- Simply Business: Best for comparing quotes from top providers
- Thimble Insurance: Best for quick, short-term coverage
- ProSight/Coaction Specialty: Best for DJs looking for short-term liability coverage
- Insurance Canopy: Best for customized DJ insurance
Comparison Table
| Provider | Policy Purchase Process | Accessibility | Financial Rating from AM Best | Key Features |
| Next Insurance | Online | Monday to Friday, 8 a.m. to 5 p.m. CT | A- (Excellent) | Fast online quote process, convenient policy purchase |
| Simply Business | Online | Monday to Friday, 8 a.m. to 8 p.m. ET | Simply Business works with providers that have a rating from A- (Excellent) to A++ (Superior) | User-friendly online quote process, extended support |
| Thimble Insurance | Online | Monday to Friday, 9 a.m. to 6 p.m. ET | Thimble Insurance works with providers that have a rating of A (Excellent) | Convenient online or app-based process, instant COIs |
| ProSight | Online | Monday to Friday, 5:30 a.m. to 5 p.m. PT | A+ (Superior) | Online quote process, simple policy purchase |
| Insurance Canopy | Online | Monday to Friday, 8 a.m. to 8 p.m. MT | Thimble Insurance works with providers that have a rating of A+ (Superior) | Streamlined online process, hassle-free policy purchase |
Best 5 DJ Insurance Providers
Are you into DJing and looking for the best insurance for small businesses? Worry not; we’ve researched and evaluated numerous providers, and here are the top five DJ equipment insurance providers that offer tailored coverage and exceptional service.
Next Insurance – Best overall provider for DJ insurance
Next Insurance is a leading provider of insurance solutions for businesses, offering a comprehensive range of coverage options tailored to niche industries. With its user-friendly online platform and commitment to excellent customer service, Next Insurance has gained a reputation as a top choice for DJ insurance.
Features
- In-house claims services for quick turnaround
- Dedicated app providing 24/7 accessibility
- Professional liability included with general liability
- Tiered coverage options for flexibility
pros
- Low customer complaint rate
- Tailored coverage
- Fast online quotes
cons
- Not available 24/7 for support
- Coverage availability can vary by state
- No commercial auto insurance is available
Financial Rating
Next Insurance has a rating of A- Excellent from AM Best based on good financial strength and long-term issuer credit.
Simply Business – Best for comparing quotes from top providers
Simply Business is an online marketplace that specializes in helping solopreneur DJs and small DJ businesses find affordable insurance coverage. With its intuitive user experience and fast quote generation, Simply Business makes it easy to compare quotes from top-rated providers and purchase a policy online or by speaking with a dedicated agent.
Features
- Compare quotes from multiple top-rated providers
- Purchase policies online without the need to speak to anyone
- Works with carriers such as biBERK, CNA, and Markel
- A great option for workers’ compensation coverage
pros
- Fast quote generation process
- Offers same-day coverage
- Intuitive user experience for easy navigation and quoting process
cons
- The claims filing process can be cumbersome as claims are handled directly through the carrier
- Unavailable 24/7 for customer support
- Some coverages may not be available depending on the specific needs of the DJ business
Financial Rating
Simply Business is not rated on AM Best but it collaborates with a 16 premier providers, all of whom boast robust financial standings according to AM Best’s ratings. These ratings span from A- (Excellent) to A++ (Superior), underscoring the providers’ formidable fiscal positions.
Thimble Insurance – Best for quick, short-term coverage
Thimble Insurance is a top choice for DJs who require quick and short-term coverage, including hourly options. With its convenient quote process and same-day coverage, Thimble provides flexibility for DJs with sporadic gigs or side hustles. The company’s focus on convenience and customer satisfaction is reflected in its overall score. Thimble works with multiple carriers, and the quoted DJ policy mentioned here is provided through the National Specialty Insurance Company.
Features
- Policies available by the hour, day, week, and month
- Equipment coverage bundled with general liability
- Unlimited Certificates of Insurance (COIs) available through the app
- Nationwide availability
pros
- Offers short-term liability coverage, including hourly options
- Fast quote process for quick access to coverage
- Provides same-day coverage for immediate protection
cons
- Claims are handled by a third-party administrator, which can potentially lead to complications.
- No dedicated 24/7 customer support line
- Difficult to reach customer service representatives by phone, but online chat and app communication options are available.
Financial Rating
Thimble doesn’t have a AM Best rating for itself but its policies are provided through various carriers, and the quoted DJ policy mentioned in the reference is underwritten by National Specialty Insurance Company, which holds an A (Excellent) rating from AM Best.
ProSight/ Coaction Specialty – Best for DJs looking for short-term liability coverage
ProSight, also known as Coaction Specialty, is a leading insurance provider specializing in coverage for DJs, particularly those working at a professional and touring level. With their expertise in the DJ industry, ProSight understands the unique needs of DJs and offers tailored insurance solutions. They ensure DJs customers have convenient and timely access to their coverage details. ProSight is owned by TowerBrook Capital Partners, a reputable company that adds to its stability and credibility.
Features
- Specializes in offering custom insurance for DJ business professionals
- Immediate access to certificates of insurance
- 24/7 access to policy documents
- Offers innovative business planning and market research services
pros
- Specialized coverage for professional DJs
- Flexible policies to adapt to changing needs
- Digital claims processing for utmost efficiency
cons
- Limited information available about their online quoting process
- Quote availability may vary depending on individual circumstances
Financial Rating
ProSight/Coaction holds a financial rating of A- (Excellent) from AM Best. It indicates their ability to meet their obligations to policyholders and handle claims efficiently.
Insurance Canopy – Best for customized DJ insurance
Insurance Canopy is an online insurance brokerage that provides customized insurance solutions for DJs. With its convenient quoting and purchasing process, Insurance Canopy offers fast and affordable policies tailored to meet the unique needs of the DJ industry. The company has nationwide availability and provides instant Certificates of Insurance (COIs) for proof of coverage.
Features
- A streamlined online application process
- Hassle-free customization of coverage options
- Low-cost premiums
- Account portal for policy management
pros
- Nationwide availability for DJs across the country
- Offers short-term coverage options for events or specific durations
- Instant Certificates of Insurance (COIs) for immediate proof of coverage
cons
- Unavailable 24/7 for customer support
- Some answers in the quote process may be pre-filled, which may require adjustments
- Available coverage options may be limited to the specific program
Financial Rating
Insurance Canopy isn’t rated on AM Best but receives underwriting support from The Great American Insurance Group, which holds an A+ (Superior) rating from AM Best.
Methodology
When evaluating software for inclusion on our list, we employ a proprietary evaluation system developed in-house. Our process involves examining multiple providers and selecting the top five based on their scores.
In the case of assessing insurance companies specifically for DJs, we place utmost importance on prioritizing the customer’s needs. We recognize that DJs have unique requirements, and our evaluation process reflects this understanding.
We consider key factors such as convenience, ensuring that the insurance process is straightforward and hassle-free for DJs. Additionally, we look into the financial ratings of providers, relying on reputable organizations like AM Best and Fitch to gauge their financial strength and stability.
Customer service quality is another crucial aspect we consider. We strive to recommend providers that offer exceptional customer support, understanding the importance of prompt assistance and clear communication.
Furthermore, we evaluate the range of policy offerings, ensuring that DJs can access comprehensive coverage options tailored to their specific needs. Ultimately, we aim to assess the overall experience of being a policyholder with a particular provider and recommend those that successfully meet the expectations of DJs seeking reliable insurance coverage.
Frequently Asked Questions
Is DJ liability insurance required by law?
DJ liability insurance requirements may vary depending on location and specific business regulations. It is advisable to consult with local authorities or legal experts to determine whether DJ liability insurance is mandatory in your jurisdiction.
