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If you’re a nightclub’s in-house DJ you may be a permanent member of staff, in which case you’ll usually be covered by the nightclub’s own public liability insurance policy if some gets injured during a gig and sues for compensation.

However, the vast majority of DJs in the UK are self-employed, which means they may not be covered by the venue’s insurance policy if someone is injured or their belongings are damaged during a gig.

That’s why many DJs decide to invest in their own public liability insurance for DJs, which can cover the cost of legal fees, court costs and compensation pay-outs if they are ever sued by a member of the public.

What does DJ public liability insurance cover me against?

As the name suggests, DJ public liability insurance insures DJs against the risk of liability claims by members of the public.

For example, if someone is injured because you told the crowd to jump up and down during your set, it’s possible you could be blamed for that person’s injuries. And if multiple people were injured you could be sued multiple times.

The resulting legal fees, court costs and compensation payments could be enough to bankrupt some people – which is where DJ public liability insurance comes in.

This type of policy doesn’t prevent you from being sued, but it can shoulder the financial burden of any legal action so that you don’t have to cover the costs yourself.

Is public liability insurance for DJs a legal requirement?

No, public liability insurance isn’t legally required in the UK no matter what you do for a living, so DJs, bands and solo musicians don’t have to take out a policy.

However, while it isn’t a legal obligation it might be a contractual one. Many nightclubs, bars, raves and music venues insist that DJs have public liability insurance in place before they can perform there, and if you decide not to take a policy out it’s possible you might find it harder to get gigs.

Does DJ public liability insurance insure my DJing equipment too?

No, DJ public liability insurance is designed to protect disc jockeys against the risk of public liability claims, so this type of policy usually won’t cover you if your own DJing equipment is damaged.

However, it is possible to take out a separate policy to cover your music equipment, and this type of policy will usually cover you whether your equipment is damaged during a gig, in transit or at your own home. You can insure DJ equipment here.

How much does DJ insurance cost, on average?

That’s a very difficult question to answer, because insurance providers take many different factors into consideration when calculating the premium for your DJ insurance, and each provider will also give each of those factors a slightly different weighting.

The best plan is to use Quotezone.co.uk’s DJ insurance comparison service to compare quotes from a range of different providers, and then go with the one that offers the best policy at the most competitive price.

Does public liability insurance for DJs cover liability claims by my own employees?

Most DJs are freelance sole traders, but if you do employ members of staff and one of them sues you your DJ public liability insurance won’t cover for any resulting legal fees or compensation claims.

You’d need employers’ liability insurance to protect you against this type of liability claim, and in fact if you do employ permanent members of staff (whether they are photographers or videographers, sound engineers or domestic cleaners) employers’ liability cover is a legal requirement in the UK.