NLIC.org

Jill Said:

Where should I get liability insurance for my DJ business?

We Answered:

Well, the minimum premium for this sort of thing is going to be about $600. You won't find it for less than this.

The reasoning - to cover the expenses of issuing the policy in the first place.

Just like, say, you charge $400 to DJ a party for 4 hours. That's $100 an hour. If someone says, ok, I only want you for 15 minutes, do you charge $25 for that? No, because it's not worth your time & travel expenses - you have a minimum charge to just show up.

So as to where - any local, independent agent should be able to get you a quote for this. You're NOT going to find it with the State Farm, Allstate, Farmers agents, it's just not the type of thing they do. So if your personal car insurance is with an independent agent, go see them first.