Alaska DJ Insurance – AK – cost and types of policies
This is the ultimate presentation for existing or start-up DJs in Alaska – (AK) that contains everything you will need to know about DJ insurance for your business.
We will also explain all of the different steps you need to take to turn your dream of making money from DJing into a reality.
So you’ve selected to become a DJ in Alaska.
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Maybe you came to this decision after you listened to someone talk about a great DJ they saw last night, or you saw the DJ at the favorite club in Alaska, and now you really want to give it a go.
But, the question is – do you really know how to turn a dream into a real business?
If you were starting up fifteen years ago, all you would have wanted was a few turntables and a basic mixer.
But DJing in Alaska has changed since then. You may still choose to use a turntable, but in a whole different way.
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In addition to turntables, DJs in Alaska now want CD players, multichannel controllers and digital software.
This means you need special equipment like effects units, drum machines, and other hardware.
Your up-front investment in the gear may be heavy, but have you also given any consideration to what will happen if the gear is lost?
For this possibility, you should seriously be thinking about taking out the right insurance.
What kind of DJ are you?
The answer to this question will determine what kind of, and how much, insurance you need.
In the entertainment world in AK, many of the clubs employ full-time disk jockeys.
If you get such a contract, you will have a fixed workplace, like a nightclub or dance hall, where you are the feature.
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Often, having a popular DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Alaska, there is also a lot of need for mobile DJs who move their services to temporary premises for a single or short-term gig.
It is essential to remember that whether you are a club DJ or mobile DJ, you are running your DJ services as a business, and need to carry all of the types of mobile DJinsurance we talk about below.
DJing is a perpetual learning curve and you need still be learning new tricks like audience interaction, leading you on to better things.
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Once you have good DJ skills, try mixing your own genre of music. Once people in Alaska get to know you for your music you will show off your work and you’ll end up getting gigs.
Learn about crowd interaction so that you are seen as a stage performer who gets the people to enjoy watching you put on a show.
It is all about personality. People in Alaska go out to see their favorite DJ’s because of what they are doing, not because of their gear.
What does a mobile DJ do?
A mobile DJ in Alaska is often called a house party DJ, because mostly the venues are private parties.
Whatever, you need to choose the right gear, because mobility and easy storage are essential.
Instead of individual components like turntables, mixers, records, CDs and all the other goods that a club DJ has stored safely in his room, a mobile DJ has to move it onsite, and back to base, for every gig.
Most mobile DJs in Alaska opt for a slightly more expensive option which is an all-in-one DJ system that operates off a portable computer.
Such a system is a recent component that makes sense for house party DJ’s because it means you’ll have less equipment to carry.
You may pay a slight amount more but you could save big in the end. There’s less gear to get damaged, so your insurance can cover you when someone spills their drink on your workbench!
What does a mobile DJ need?
The original route in Alaska said you needed only a pair of turntables with a mixer, plus speakers. Nowadays, you maybe want to keep the traditional feel but get yourself some current CD players or CD decks.
If you want to mix tracks directly from your laptop or computer using this traditional set-up, try fuzing tracks directly from your laptop or your iPhone using an all-in-one DJ controller.
Maybe you decide to go purely digital, because records are the most expensive source and you won’t need to be lugging around heavy bags to your gigs.
If you are comfortable, you can try mixing digitally on your tablet using commercial software. You could become a top-notch DJ at once after you download the right program to your laptop!
There are even softwares available for free that could get you mixing right away!
Assuming you already have a laptop, this is the cheapest way to become a DJ in AK especially for mobile DJs that have to travel a lot and can’t take hardware with them.
How do you get DJ gigs?
Most of the established DJs in Alaska start by making some mixtapes and give them to friends and club owners.
The mixes my be heard by others on Reddit and elsewhere online. Get feedback, because it’s important and will let you judge if you’re ready for professional work.
Club owners in Alaska will usually ask you to audition before they risk letting you play live. Be ready for this by preparing your stuff at its best.
Use Twitter to upload mixes, do live DJ shows, post videos of your gigs, and promote yourself all around Alaska.
Have you considered trying out as a Alaska radio DJ, or subscriber radio is another route.
You will keep the option to mix and present from home even in the form of a podcast that people can download and listen to whenever suits them.
It’s a powerful way of getting your name in front of the public, and so building a following. You could promote this over a Facebook page, a YouTube channel, or a website.
What kind of insurance does a DJ need?
All operations in Alaska carries risks of unexpected things, and so needs several basic kinds of insurance, to protect you in case something unexpected happens while you are working.
The most important kinds of basic DJ business insurance in Alaska are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is important if some accident causes injury to a person, or damage to their property, while they are in the place where you are working, you will be sued for damages and a alaska court can decide that you are liable.
For DJs, some of the most common examples are trips and falls because you have many wires as well as boxes in the venue where the event is happening, and people are moving all around the floor.
If someone before, during or after an event of which you are the DJ has such a fall, they may claim that your cables or speakers were placed dangerously, and sue for the damage or injury.
You could be held responsible for the injury and you could have to cough-up large amounts.
One possibility for mobile DJs in Alaska is the likelihood of fires caused by hot lighting positioned around the venue. It could fall or start a fire if something inflammable comes into contact.
Also there is the problem of improper electrical wiring starting a fire.
DJ General liability insurance in Alaska can cover your for all these possible claims. Normally, start up DJs take around $1 million cover in mobile DJ public liability insurance for a single claim, and $2 million for the full year.
Professional Liability insurance / Error & Omission insurance for DJs in alaska
Consider where you are engaged as the DJ for a dance night for a large employer, and an accident stops you from showing up, or your gear malfunctions and the whole event has to be cancelled.
Now the customer could sue for the expected revenue from the event, and damages for loss of reputation and other such losses.
In case a court decides against you, you will have to find the money from your own bank.
A Alaska disk jockey’s most essential asset is the gear is the highly specialized gear for music selection, speakers, lights, cameras and a whole basket of other paraphernalia that can cost tens of thousands of dollars, DJ equipment insurance in Alaska is important.
It represents a big liability if you are renting or hiring the equipment, and so you must insure it against the possible risks, such as theft, malicious damage, fire, water damage etc.
Your Alaska DJ business could freeze without the right equipment, so you are not only losing the value of the assets, but also future earning.
Commercial Vehicle insurance
Most mobile DJs in Alaska must take their work gear to where it is needed, like function halls, sports clubs and other venues.
Although it fits into your private car, it’s important to know that in Alaska your ordinary vehicle insurance will not cover the DJ equipment in the event of an accident, fire, theft or any other loss.
At least you need to add commercial cover to private vehicle insurance, but you are much safer when you take out a commercial vehicle insurance policy in Alaska so that you are fully covered in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Some insurance companies in Alaska have begun to provide special kinds of DJ event insurance cover where a DJ can nominate a specific period when he or she wants to cover, in case they are not working full-time.
You will reduce DJ insurance in AK cost by having lower premiums while still having the same risk cover.
You purchase the cover for a specific period, like a day, or for a fortnight starting on the specified date.
If you are a casual start-up DJ who works in alaska on anniversaries in homes, then you will have a schedule of bookings, so you can take out the cover for those dates only with temporary DJ insurance or DJ insurance for one day or DJ liability insurance monthly basis.
You must take out all of the same kinds of public liability insurance to protect yourself from the possible claims.
The positive effect for you is that you don’t finish wasting money paying annual premiums covering times when you are not looking for full-time DJ equipment insurance cover.