DJ insurance averages $28 monthly, with costs ranging from $12 to $34 based on your state and selected coverage types.
Get matched with cheap DJ business insurance below.
Updated: November 12, 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 and commonly needed coverage types are:
| BOP | $29 | $345 |
| General Liability | $26 | $307 |
| Professional Liability (E&O) | $45 | $546 |
| Workers' Comp | $14 | $169 |
*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 rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
General liability insurance for DJ businesses costs $22 monthly in Maine compared to the $26 national average, while Hawaii's cost is $31 for the same 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 |
*These general liability rates reflect DJ businesses with two employees across different states. Rates vary based on services offered, claims history and employee count.
Workers' compensation insurance for DJ businesses costs $12 monthly in North Carolina and $16 in Pennsylvania. Pricing differences between locations result from state regulations and claim histories.
| 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 |
*These workers' comp rates reflect DJ businesses with two employees across different states. Your workers' comp requirements and costs vary by state since each has different regulations.
Professional liability costs depend on your location. Nationwide, businesses pay an average of $45 monthly for this coverage. Maine offers the most affordable rate at $39, while Pennsylvania has the highest cost 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 |
*We based these professional liability rates on DJ businesses with two employees across different states. Your actual rates will depend on the services you offer and your location.
DJ business insurance costs vary based on your state, with business owner's policy (BOP) coverage showing the widest price differences. BOP 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 |
*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 $21 to $46 monthly across providers. 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 |
Insurers calculate your DJ business insurance costs based on these factors:
Your performance location affects insurance costs. DJs in cities like New York and Los Angeles pay higher premiums because of stricter venue requirements. States with higher litigation rates and event cancellations charge higher premiums.
Past incidents at events affect 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 get 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 present different risks 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.
Your annual revenue determines your insurance costs and coverage needs. Part-time DJs earning $30,000 annually from occasional gigs need general liability coverage. Full-time professionals generating $250,000 require comprehensive coverage, including higher liability limits and equipment 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 may reduce premiums, while poor credit may increase costs.
Keeping your DJ business insurance costs low takes planning and the right approach. Our guide helps you find cheap business insurance for your DJ services while strengthening your risk profile.
DJs need general liability coverage for venue injuries and property damage, plus equipment insurance for turntables, speakers, mixers and lighting rigs that often exceed $10,000.
Many venues require proof of liability insurance, including liquor liability if you work with bars or nightclubs. Add commercial auto coverage if you transport equipment in a dedicated vehicle. Consider professional liability if you provide production services beyond DJing.
DJ insurance pricing varies 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. Some won't cover DJ equipment damaged by liquid spills at venues.
Buy general liability and equipment insurance together. You'll save 15% to 25% compared to separate policies. Insurers offer DJ packages combining venue liability with inland marine coverage for your gear.
Choose a $500 to $1,000 deductible on equipment coverage. Your premiums drop 15% to 25% while you're still protected against theft or total loss. This makes sense if you maintain your gear and can handle minor repairs yourself.
Skip high deductibles on liability insurance. Venue damage claims and injury lawsuits cost more than you can predict.
Monthly payments add 5% to 8% in fees to your annual premium. Pay once per year and keep that money. Summer wedding season usually brings enough income to cover your full year's insurance cost.
Check your policy when you buy new equipment or book larger venues. Update your coverage limits as your setup grows from a basic controller to professional gear. Hired assistants or expanded to multiple setups? Call your insurer right away.
DJ business insurance costs $12 to $34 monthly, but your actual rate depends on location, business size and claims history. You can save by comparing quotes from different insurers, bundling policies, selecting higher deductibles and opting for annual payments instead of monthly ones.
Here are the most frequent questions DJ business owners ask about insurance costs:
Workers' compensation offers the lowest cost at $14 monthly, though it covers employee-related injuries only. 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 the $26 national average), and BOP costs $32 monthly (versus the $29 average). New York is similar at $29 and $34.
Bundling your DJ business insurance policies results in larger 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.
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.
You should compare quotes every year when your policy renews, getting prices from at least three insurers. You'll find savings after you expand services or hire staff.
DJ businesses face unique insurance challenges: gear costs thousands, venues demand proof of coverage before you can set up, and one equipment failure or liability claim can shut you down. We designed our research to reflect what small DJ businesses pay across different markets.
We gathered quotes from insurers serving the DJ industry across multiple states. This matters because DJ insurance pricing varies by location. For example, Maine charges $22 monthly, while Hawaii costs $31 monthly for identical coverage.
Our sample DJ business profile:
Coverage limits we quoted:
We built this profile around a typical mobile DJ business that's moved beyond solo gigs into hiring staff. The $300,000 revenue reflects 40 to 50 events annually at $600 to $750 per booking (standard rates for weddings and corporate events). Two employees handle equipment setup, teardown and backup DJing during peak wedding season.
The $5,000 equipment limit in BOP quotes covers basic professional gear but not high-end setups. If you're running $15,000 worth of equipment, you'll need higher limits. If you're still a solo DJ with a basic controller, you'll pay less than our quotes show.
We focused on insurers offering online quotes and serving DJ businesses nationally. This lets you compare options without waiting for agent callbacks or explaining your business model repeatedly. Your actual rates will differ based on your claims history, specific services (wedding DJ versus nightclub residency) and whether the venues you work require liquor liability coverage.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
