DJ business insurance costs vary based on coverage type, letting you plan your budget more effectively. Monthly premiums range from $14 for workers' compensation to $45 for professional liability coverage.
How Much Does DJ Business Insurance Cost?
Business insurance for DJs starts at $14 per month, though your specific business details and coverage needs will determine your actual rate.
Discover cheap DJ business insurance below.
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Updated: August 19, 2025
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Key Takeaways
DJ business insurance costs range from $14 to $46 monthly, with professional liability being the most expensive coverage type.
Your DJ insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable DJ business insurance costs.
Average DJ Business Insurance Cost Overall
| BOP | $29 |
| General Liability | $26 |
| Professional Liability (E&O) | $45 |
| Workers' Comp | $14 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
DJ Business Insurance Cost for General Liability Coverage by State
Your DJ business insurance cost for general liability coverage depends on where you operate. Maine and North Carolina offer the most savings at $22 monthly versus the $26 national average, while Hawaii costs $31 monthly.
| Alabama | $25 |
| Alaska | $27 |
| Arizona | $24 |
| Arkansas | $24 |
| California | $28 |
| Colorado | $25 |
| Connecticut | $28 |
| Delaware | $27 |
| Florida | $28 |
| Georgia | $26 |
| Hawaii | $31 |
| Idaho | $24 |
| Illinois | $28 |
| Indiana | $25 |
| Iowa | $24 |
| Kansas | $25 |
| Kentucky | $24 |
| Louisiana | $30 |
| Maine | $22 |
| Maryland | $24 |
| Massachusetts | $27 |
| Michigan | $24 |
| Minnesota | $24 |
| Mississippi | $26 |
| Missouri | $25 |
| Montana | $25 |
| Nebraska | $24 |
| Nevada | $29 |
| New Hampshire | $25 |
| New Jersey | $29 |
| New Mexico | $26 |
| New York | $29 |
| North Carolina | $22 |
| North Dakota | $22 |
| Ohio | $24 |
| Oklahoma | $25 |
| Oregon | $24 |
| Pennsylvania | $29 |
| Rhode Island | $28 |
| South Carolina | $26 |
| South Dakota | $24 |
| Tennessee | $25 |
| Texas | $26 |
| Utah | $24 |
| Vermont | $24 |
| Virginia | $23 |
| Washington | $29 |
| West Virginia | $27 |
| Wisconsin | $25 |
| Wyoming | $24 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
DJ Business Insurance Cost for Workers’ Compensation Coverage by State
Your DJ business cost for workers' compensation varies by state. North Carolina offers the lowest rates at $12 monthly and Pennsylvania the highest at $16 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| Alabama | $14 |
| Alaska | $13 |
| Arizona | $13 |
| Arkansas | $14 |
| California | $15 |
| Colorado | $14 |
| Connecticut | $15 |
| Delaware | $15 |
| Florida | $15 |
| Georgia | $14 |
| Hawaii | $15 |
| Idaho | $13 |
| Illinois | $15 |
| Indiana | $14 |
| Iowa | $13 |
| Kansas | $14 |
| Kentucky | $13 |
| Louisiana | $16 |
| Maine | $12 |
| Maryland | $13 |
| Massachusetts | $15 |
| Michigan | $13 |
| Minnesota | $13 |
| Mississippi | $14 |
| Missouri | $14 |
| Montana | $14 |
| Nebraska | $13 |
| Nevada | $16 |
| New Hampshire | $14 |
| New Jersey | $16 |
| New Mexico | $14 |
| New York | $16 |
| North Carolina | $12 |
| Oklahoma | $13 |
| Oregon | $13 |
| Pennsylvania | $16 |
| Rhode Island | $15 |
| South Carolina | $14 |
| South Dakota | $13 |
| Tennessee | $14 |
| Texas | $14 |
| Utah | $13 |
| Vermont | $14 |
| Virginia | $13 |
| West Virginia | $15 |
| Wisconsin | $14 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
DJ Business Insurance Cost for Professional Liability Coverage by State
Like other types of coverage, your cost for professional liability varies by state. The national average is $45 monthly for E&O insurance. Maine offers the lowest rates at $39 monthly, while Pennsylvania has the highest at $53.
| Alabama | $44 |
| Alaska | $40 |
| Arizona | $44 |
| Arkansas | $43 |
| California | $51 |
| Colorado | $44 |
| Connecticut | $49 |
| Delaware | $50 |
| Florida | $48 |
| Georgia | $46 |
| Hawaii | $47 |
| Idaho | $42 |
| Illinois | $50 |
| Indiana | $45 |
| Iowa | $44 |
| Kansas | $44 |
| Kentucky | $43 |
| Louisiana | $50 |
| Maine | $39 |
| Maryland | $44 |
| Massachusetts | $48 |
| Michigan | $42 |
| Minnesota | $43 |
| Mississippi | $46 |
| Missouri | $45 |
| Montana | $46 |
| Nebraska | $43 |
| Nevada | $51 |
| New Hampshire | $46 |
| New Jersey | $51 |
| New Mexico | $47 |
| New York | $53 |
| North Carolina | $39 |
| North Dakota | $40 |
| Ohio | $43 |
| Oklahoma | $43 |
| Oregon | $43 |
| Pennsylvania | $53 |
| Rhode Island | $49 |
| South Carolina | $46 |
| South Dakota | $42 |
| Tennessee | $44 |
| Texas | $46 |
| Utah | $45 |
| Vermont | $44 |
| Virginia | $42 |
| Washington | $51 |
| West Virginia | $47 |
| Wisconsin | $46 |
| Wyoming | $42 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
DJ Business Insurance Cost for BOP Coverage by State
Business owner's policy rates vary widely for DJ insurance costs across states. In New York, coverage costs $34 monthly, while Maine DJs pay just $24 for the same protection.
| Alabama | $29 |
| Alaska | $26 |
| Arizona | $27 |
| Arkansas | $28 |
| California | $32 |
| Colorado | $28 |
| Connecticut | $31 |
| Delaware | $31 |
| Florida | $31 |
| Georgia | $29 |
| Hawaii | $31 |
| Idaho | $28 |
| Illinois | $31 |
| Indiana | $28 |
| Iowa | $27 |
| Kansas | $28 |
| Kentucky | $27 |
| Louisiana | $32 |
| Maine | $24 |
| Maryland | $27 |
| Massachusetts | $30 |
| Michigan | $27 |
| Minnesota | $27 |
| Mississippi | $29 |
| Missouri | $28 |
| Montana | $30 |
| Nebraska | $27 |
| Nevada | $33 |
| New Hampshire | $29 |
| New Jersey | $33 |
| New Mexico | $29 |
| New York | $34 |
| North Carolina | $25 |
| North Dakota | $26 |
| Ohio | $27 |
| Oklahoma | $27 |
| Oregon | $26 |
| Pennsylvania | $34 |
| Rhode Island | $32 |
| South Carolina | $30 |
| South Dakota | $27 |
| Tennessee | $28 |
| Texas | $29 |
| Utah | $27 |
| Vermont | $28 |
| Virginia | $26 |
| Washington | $32 |
| West Virginia | $30 |
| Wisconsin | $29 |
| Wyoming | $26 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting DJ Business Insurance Cost
Insurance companies look at several factors to determine your DJ business insurance costs. Understanding these elements helps you plan your budget better. Below, we explain how different variables affect your insurance rates.
Geographic location
Your business location affects workers' compensation rates and liability costs based on local regulations and claim patterns. DJs operating in areas with extreme weather or higher crime rates face increased risk profiles, leading to notable premium variations between states.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single accident at an event, like a guest tripping over sound equipment, can substantially increase your general liability rates at renewal.
Services offered
Different DJ services carry varying insurance costs. Wedding DJs typically pay higher premiums than club DJs due to larger events and more expensive equipment. Corporate event services often require additional liability coverage compared to basic music services.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. A solo DJ earning $50,000 annually pays less than a entertainment company with multiple DJs and $500,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment values
More expensive DJ equipment requires higher coverage limits, increasing your premiums. A DJ using professional mixing boards, speakers and lighting systems worth thousands will pay more for equipment coverage than one using basic audio gear.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap DJ Business Insurance
Smart shopping and responsible business practices can significantly lower your DJ business insurance costs, and our proven strategies below will help reduce your premiums while improving your insurance risk profile.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your DJ company needs prevents overpaying for unnecessary coverage. General liability protects against equipment damage and accidents at events. Professional liability covers mistakes that could harm your clients' events. Equipment coverage safeguards your expensive sound systems and gear.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between carriers for the same coverage. Request quotes from at least three companies to find the best rates. Consider working with an independent agent who can handle comparison shopping for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability with equipment coverage and commercial auto insurance under one carrier typically costs less than separate policies from different providers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out of pocket for claims, but your regular insurance payments will be lower. Consider your financial situation when selecting deductible amounts.
- 5
Pay annually instead of monthly
Most insurance carriers charge extra processing fees for monthly payments. Paying your premium annually eliminates these fees and often qualifies you for additional discounts. This upfront investment can lead to significant yearly savings.
- 6
Review and adjust your coverage annually
Your insurance needs change as your DJ business grows. Review your coverage yearly to ensure you're not paying for unnecessary protection. Update your policy limits to match your current business size and operations.
Insurance for DJ Business Cost: Bottom Line
DJ business insurance costs range from $14 to $46 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
DJ Business Insurance Cost: FAQ
Business owners frequently ask about DJ company insurance costs, from basic liability coverage to complete protection packages. We answer these common questions below.
What is the cheapest type of DJ business insurance?
Workers' compensation insurance costs $14 monthly, but only covers employee injuries. Most DJs need general liability coverage ($26 monthly) to protect against customer accidents and property damage claims.
How much can I save by bundling my DJ business insurance policies?
Bundling insurance policies offers the most cost-effective solution for DJ businesses. Combining general liability, property and commercial auto coverage with one insurer can save you significant money through multi-policy discounts; this represents a $29 BOP cost and savings benefits
What factors make my DJ business insurance more expensive?
Factors that can make DJ business insurance expensive include geographic location, claims history, size of the business and number of employees.
Workers' compensation insurance costs around $14 per month, making it the most budget-friendly coverage option for DJ businesses. However, requirements vary by state and number of employees.
Should I choose a $500 or $2,500 deductible for my DJ business insurance?
Higher deductibles lower your monthly insurance costs, but require more cash when filing claims. Consider your available cash reserves and claim frequency when deciding.
How much does workers' compensation cost for DJ businesses by state?
Workers' compensation rates for DJs vary from $12 monthly in North Carolina to $16 monthly in Pennsylvania. Costs reflect each state's unique risk factors and requirements.
Is business owner's policy (BOP) worth the extra cost for DJ companies?
BOP insurance for DJs costs around $29 monthly and bundles general liability, commercial property and business interruption coverage. This combined package offers better value than purchasing policies separately.
How often should I shop around for DJ business insurance quotes?
Compare insurance quotes annually during renewal time. Getting multiple quotes helps secure better rates, particularly if your DJ business has grown or changed services.
How We Determined DJ Business Insurance Costs
We collected DJ business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small DJ businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the DJ industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.