DJ insurance averages $28 monthly, with costs ranging from $12 to $34 based on your state and the coverage types you select for protection.
Get matched with cheap dj business insurance below.
Updated: October 13, 2025
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DJ business insurance costs range from $147 to $412 annually, varying by coverage type, state and sub-industry.
Your DJ insurance premiums depend on the types of events performed, claims history and employee count.
Shop multiple business insurers, bundle policies, increase deductibles and pay annually to reduce DJ business insurance costs.
We found average business insurance costs for DJ companies for commonly needed coverage are as follows:
| BOP | $29 | $345 |
| General Liability | $26 | $307 |
| Professional Liability (E&O) | $45 | $546 |
| Workers' Comp | $14 | $169 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your DJ business's cost for general liability insurance depends on where you operate. Maine offers the best rates at $22 monthly compared to the $26 national average, while Hawaii costs $31 monthly for coverage.
| Alabama | $25 | $300 |
| Alaska | $27 | $322 |
| Arizona | $24 | $291 |
| Arkansas | $24 | $293 |
| California | $28 | $340 |
| Colorado | $25 | $303 |
| Connecticut | $28 | $332 |
| Delaware | $27 | $329 |
| Florida | $28 | $330 |
| Georgia | $26 | $310 |
| Hawaii | $31 | $373 |
| Idaho | $24 | $289 |
| Illinois | $28 | $335 |
| Indiana | $25 | $298 |
| Iowa | $24 | $291 |
| Kansas | $25 | $296 |
| Kentucky | $24 | $285 |
| Louisiana | $30 | $364 |
| Maine | $22 | $264 |
| Maryland | $24 | $291 |
| Massachusetts | $27 | $320 |
| Michigan | $24 | $289 |
| Minnesota | $24 | $287 |
| Mississippi | $26 | $307 |
| Missouri | $25 | $303 |
| Montana | $25 | $304 |
| Nebraska | $24 | $289 |
| Nevada | $29 | $347 |
| New Hampshire | $25 | $304 |
| New Jersey | $29 | $346 |
| New Mexico | $26 | $307 |
| New York | $29 | $353 |
| North Carolina | $22 | $264 |
| North Dakota | $22 | $265 |
| Ohio | $24 | $283 |
| Oklahoma | $25 | $296 |
| Oregon | $24 | $284 |
| Pennsylvania | $29 | $351 |
| Rhode Island | $28 | $335 |
| South Carolina | $26 | $314 |
| South Dakota | $24 | $285 |
| Tennessee | $25 | $298 |
| Texas | $26 | $308 |
| Utah | $24 | $292 |
| Vermont | $24 | $293 |
| Virginia | $23 | $278 |
| Washington | $29 | $347 |
| West Virginia | $27 | $320 |
| Wisconsin | $25 | $299 |
| Wyoming | $24 | $282 |
Note: We based these general liability rates on DJ businesses with two employees across different states. Your rates will vary based on your services, claims history and the number of employees.
The cost of workers' compensation insurance for DJ businesses differs across states. North Carolina offers affordable rates at $12 monthly, while Pennsylvania costs $16 monthly. State regulations and claim histories drive these pricing differences between locations.
| 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 |
Note: We based these workers' comp rates on DJ businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Your professional liability cost depends on your state location. Nationwide, businesses pay an average of $45 monthly for this coverage. Maine offers the most affordable rates at $39 monthly, while Pennsylvania has the highest costs at $53 monthly.
| 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 |
Note: We based these professional liability rates on DJ businesses with two employees across different states. Your actual rates will depend on your services offered and location.
DJ business insurance costs vary based on your state, with business owner's policy coverage showing the widest price differences. BOP insurance cost ranges from $24 in Maine to $34 in New York for the same coverage level.
| 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 |
Note: We based these BOP rates on DJ businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
DJ business insurance costs range from $21 to $46 monthly across providers. These price differences reflect each insurer's market focus, which shifts based on profitability and coverage expansion opportunities.
| Chubb | $32 | $387 |
| Coverdash | $36 | $435 |
| Hiscox | $28 | $338 |
| NEXT Insurance | $21 | $254 |
| Nationwide | $29 | $347 |
| Progressive Commercial | $26 | $317 |
| Simply Business | $22 | $263 |
| The Hartford | $23 | $271 |
| Thimble | $46 | $547 |
| biBERK | $24 | $292 |
Several factors influence your DJ business insurance costs when insurers calculate your premium rates and coverage pricing.
Where you perform influences insurance rates through venue regulations and liability climates. DJs working in major entertainment markets face higher premiums due to increased competition and stricter venue requirements. Regional differences in lawsuit frequency and weather-related event cancellations create substantial pricing variations across states.
Past incidents at events shape your insurance costs for years ahead. Equipment damage claims, noise complaints resulting in lawsuits, or accidents involving your gear affect renewal pricing. DJs with unblemished records demonstrating professional setup practices and risk awareness secure better rates than those with multiple claims.
Event categories you serve create different risk exposures. Weddings and corporate functions present manageable liability, while nightclub residencies or large festivals with alcohol and crowds multiply potential claim scenarios. School dances serving minors require additional considerations compared to adult-only events.
Your team structure affects workers' compensation and liability costs. Solo DJs operating independently maintain minimal overhead beyond equipment and general liability. Companies employing multiple DJs, lighting technicians or event coordinators see premiums increase.
Income levels reflect booking frequency and insurance needs. Part-time DJs earning $30,000 annually from occasional gigs need basic protection, while full-time professionals generating $250,000 through frequent high-value events require comprehensive coverage.
Many venues require $1 to $2 million in general liability as booking conditions. Equipment coverage protects against theft, damage, or loss, plus business interruption insurance for cancelled events, which layers additional costs beyond basic liability requirements.
More expensive DJ equipment and vehicles require higher coverage limits, increasing your premiums. A DJ using professional mixing boards, speakers, lighting systems and specialized transport vehicles worth tens of thousands will pay more for equipment coverage than one using basic sound equipment.
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.
Keeping your DJ business insurance costs low takes planning and the right approach. Our step-by-step guide helps you find cheap business insurance tailored to your DJ services while strengthening your risk profile and protecting your business for the long run.
DJs need general liability coverage for venue injuries and property damage, plus equipment insurance for turntables, speakers, mixers and lighting rigs that can total $10,000 or more.
Many venues require proof of liability insurance with liquor liability if you're working bars or nightclubs. Add commercial auto coverage if you transport equipment in a dedicated vehicle, and consider professional liability if you provide production services beyond just spinning tracks.
DJ insurance pricing varies widely based on whether you work weddings, corporate events, or nightclub residencies, with premiums ranging from $300 to $1,500 annually. Request quotes from multiple providers and review what each policy excludes, as some won't cover DJ equipment damaged by liquid spills at venues.
Combining general liability and equipment insurance under one policy provides 15% to 25% savings over purchasing them separately. Many insurers offer DJ-specific packages that include both venue liability and inland marine coverage for your gear.
A $500 to $1,000 deductible on equipment coverage reduces premiums by 15% to 25% while still protecting against major losses like theft or total damage. This works well if you maintain your gear carefully and can cover minor repairs out of pocket.
Lower deductibles make sense for liability insurance since venue damage claims or injury lawsuits can escalate unpredictably.
Monthly installment plans add 5% to 8% in processing fees to your annual premium, eating into profit from several gigs. Most DJs find paying annually more manageable since summer wedding season provides concentrated income that covers the full year's insurance.
Review your policy when purchasing new equipment or booking larger venues and festivals. Your equipment limits should increase as your setup grows from a basic controller to a full professional rig. If you've hired assistants or started a mobile DJ company with multiple setups, these changes require immediate coverage adjustments.
DJ business insurance costs between $12 and $34 per month, but your actual rate depends on factors like location, business size, and claims history. You can often save by comparing quotes from different insurers, bundling your policies, selecting higher deductibles, and opting for annual payments instead of monthly ones.
DJ business owners commonly ask about insurance costs. We answered the most frequent questions below:
Workers compensation offers the lowest cost at $14 monthly, though it only covers employee-related injuries. Most DJ businesses require general liability coverage ($26 monthly) for protection against client accidents and property damage lawsuits.
You'll pay more in these states. General liability in California runs $28 monthly (versus $26 national average), and BOP costs $32 monthly (versus $29 average). New York is similar at $29 and $34, respectively.
Bundling your DJ business insurance policies delivers greater savings compared to purchasing individual coverage. Insurance companies reward customers who combine general liability, commercial property and commercial auto coverage by offering multi-policy discounts.
Key cost drivers include: expensive sound equipment, performing at high-risk venues, previous insurance claims, poor credit history, additional services like lighting design, and operating in areas with higher crime rates.
Higher deductibles lower monthly premiums but increase out-of-pocket costs during claims. Consider your available cash flow and expected claim frequency when deciding.
Workers' compensation costs for DJ businesses vary by state, ranging from $12 monthly in North Carolina to $16 monthly in Pennsylvania for coverage.
Yes, BOP insurance is worth it for DJ companies. At $29 monthly, BOP merges general liability, commercial property, and business interruption coverage into one policy. This bundled approach saves money compared to purchasing individual policies separately while offering DJ businesses streamlined protection and administrative convenience.
Shop around annually when your policy renews. Compare quotes from at least three insurers to find potential savings, especially after expanding your services or team.
We collected DJ business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small DJ business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that 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.
