Author: Jason Morrison | December 17, 2024
Edited by: Jason Morrison and Reviewed: Jason Morrison
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 2024. 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!
| 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 |
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 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.
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 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.
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 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.
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, 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.
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 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.
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.
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.
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