I just checked, per ASCAP you need to pay fees for any PUBLIC PERFORMANCE - which they define as "a performance anyplace people gather" with the following exceptions - small family gathering;face to face instruction at a non-profit organization; worship services AS LONG AS NOT PIPED OR BROADCAST TO ANOTHER ROOM OR BUILDING.

"Performance" they define as live; TV or Radio if more then 1) integral speaker set or screens (and only if in 1 room); OR the playing of tapes, CD's, LP's, etc.....

Using music for "hold" on your phone entitles ASCAP to a fee, according to them....