There’s a lot to love about life as a DJ, from the opportunities to create and express your passion for music, to the fun of performing for live crowds. But when it’s your career or favourite pastime, there’s a serious side to consider as well.

Insurance may not inspire the same thrill as gigging at venues, events and festivals year-round. However, it does mean you can enjoy these experiences with a greater peace of mind.

Below, we break down some of the ways you can benefit from DJ insurance, so you can decide if it’s right for you.

You know better than anyone how anything can happen during a live performance – whether you’re playing for 100 guests at a wedding reception, or tens of thousands at a huge festival.

Someone trips over a loose cable and injures their knee. A light or speaker falls and hits somebody. Even when you take every possible precaution, the activity happening around your set can have painful consequences. Fundamentally, if someone gets hurt accidentally and you or your DJ equipment is considered responsible, you could be liable if they choose to take legal action.

Like any job in entertainment, there are high and low points for paid work. For DJs, the summer is the time to grind:

• 39% of UK marriages take place between June and August
• The country’s biggest festivals happen over the summer
• Young adults are out of college and university
• Clubs, pubs and venues are busier and need regular talent

People want to go out and have fun, and that can mean plenty of bookings for you. But, if something caused you to miss part or all of the summer activity, it could put you in an uncertain financial situation. It’s hard to think about, but we can never tell what the future holds. An injury could leave you unable to work or perform for several key weeks or months, taking a decent chunk of your income with it.

If you’re concerned about what this could mean for you and your family, Personal Accident cover can help take these worries away. This means that if you can’t work for a while due to a personal injury, you could still receive a regular payment during this absence.

So, if you’re kept from earning a living for a while, the right insurance cover will help ensure you and your loved ones are looked after while you recover.

Do you want to stay protected against accidents at your gigs? Allianz Musical Insurance is here to help. 

We are one of the UK’s leading DJ insurance providers, with over 60 years of experience supporting musicians nationwide – from beginners and hobbyists, to international artists. 

From theft protection and accidental damage coverage, to protecting your equipment on stage, in transit and at home, we take care of everything so you can perform, mix and produce without any worries.

• Offering both DJ gear and PA system cover
• Unlimited professional use
• Annual and temporary cover to suit your needs
• Loan equipment hire costs
• Cover for theft, loss, fire and accidental damage
• Flexible options based on whether you work locally, nationally or globally
• Choose your own repairer and equipment replacements