If you’re a DJ on your own, you’ll still want DJ insurance so you can keep the party going. DJ liability insurance protects you if the beats get literally too hot and cause property damage. Professional DJ liability insurance covers you if your services cause problems for a client. If your amps cause the electrical system in a venue to blow, for example, and a wedding has to be delayed, this coverage has your back. You’ll also likely want equipment insurance for all the equipment you’ve invested in. That way, if it’s stolen or damaged, you’ll be able to replace it.