Arizona DJ Insurance – AZ – cost and types of policies
This is the ultimate presentation for existing or start-up DJs in Arizona – (AZ) that contains everything you will need to know about DJ insurance for your business.
We will also explain some 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 Arizona.
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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 danced to the DJ at the favorite club in Arizona, 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 twenty years ago, all you would have required was a few turntables and a basic mixer.
But DJing in Arizona has changed since then. You may still choose to use a turntable, but in a completely different way.
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On top of turntables, DJs in Arizona now want CD players, multichannel controllers and digital software.
This means you need dedicated equipment like effects units, drum machines, and other hardware.
Your initial investment in the gear may be heavy, but have you also given any thought to what will happen if the gear is lost?
For this possibility, you should seriously be thinking about taking out adequate insurance.
What kind of DJ are you?
The answer to this question will resolve what kind of, and how much, insurance you need.
In the entertainment world in AZ, 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 famous DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Arizona, there is also a lot of need for mobile DJs who move their services to temporary premises for a single or short-term performance.
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 kinds of mobile DJinsurance we talk about below.
DJing is a huge learning curve and you must still be learning new tricks like listener interaction, leading you on to better things.
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Once you have good DJ skills, try issuing your own genre of music. Once people in Arizona get to know you for your music you should show off your work and you’ll end up getting gigs.
Become better at crowd interaction so that you are seen as a stage performer who gets the crowd to enjoy watching you put on a show.
It is all about presentation. People in Arizona go out to see their favorite DJ’s because of what they are doing, not because of their equipment.
What does a mobile DJ do?
A mobile DJ in Arizona is sometimes 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 key factors.
Instead of individual components like turntables, mixers, records, CDs and all the other gear 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 Arizona 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 modern component that makes sense for house party DJ’s because it means you’ll have less equipment to carry.
You may pay a little more but you could save big in the end. There’s less stuff 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 Arizona said you needed only some turntables with a mixer, plus speakers. Lately, you maybe want to keep the traditional feel but get yourself some up-to-date CD players or CD decks.
If you decide to mix tracks directly from your laptop or computer using this traditional set-up, try blending 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 very expensive source and you won’t need to be lugging around heavy bags to your gigs.
If you are trained, you can try mixing digitally on your tablet using commercial software. You could become a top-notch DJ immediately after you download the correct program to your laptop!
There are even programs available for free that could get you mixing immediately!
Assuming you already have a laptop, this is the cheapest way to become a DJ in AZ 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 well known DJs in Arizona begin by making some mixtapes and hand them out to friends and club owners.
The mixes my be heard by others on YouTube and elsewhere online. Request feedback, because it’s important and will let you know if you’re ready for professional work.
Managers in Arizona will usually ask you to audition before they risk letting you play live. Be ready for this by practicing your stuff at its best.
Use Twitter to upload mixes, do live DJ shows, post videos of your gigs, and promote yourself all around Arizona.
Have you considered trying out as Arizona radio DJ, or digital radio is another route.
You will retain 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 great 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 in Arizona?
All operations in Arizona carries risks of unexpected things, and so needs several essential 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 Arizona are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is required when 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 an arizona court can decide that you are liable.
For DJs, some of the most usual examples are trips and falls because you have many cables as well as containers in the venue where the event is happening, and people are jumping 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 boxes were placed dangerously, and sue for the damage or injury.
You could be held responsible for the damage and you be forced have to cough-up large amounts.
One problem for mobile DJs in Arizona is the chance of fires caused by hot lighting positioned around the venue. It may fall or start a fire if something inflammable comes into contact.
As well there is the chance of improper electrical connections starting a fire.
DJ General liability insurance in Arizona can cover your for all these possible claims. Normally, start up DJs take around $1 million protection 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 arizona
Imagine where you are engaged as the DJ for a dance night for a big employer, and a mishap 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, plus 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 Arizona disk jockey’s most essential asset is the apparatus 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 Arizona is important.
It becomes a big liability if you are renting or hiring the equipment, and so you must insure it against the inherent risks, such as theft, malicious damage, fire, water damage etc.
Your Arizona DJ business could halt 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 Arizona have to take their work gear to where it is needed, like function halls, sports clubs and other venues.
Suppose it fits into your private car, it’s vital to know that in Arizona your ordinary vehicle insurance will not cover the DJ equipment in the event of an accident, fire, theft or any other loss.
At the very 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 Arizona so that you are fully protected in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Some insurance companies in Arizona have begun to sell 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 save DJ insurance in AZ cost by having lower premiums while still having the same risk cover.
You take out the cover for a specific period, like a day, or for a week starting on the stated date.
If you are a casual mobile DJ who works in Arizona on anniversaries in homes, then you will have a schedule of bookings, so you will 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 should take out all of the same types of professional liability insurance to protect yourself from possible claims.
The good effect for you is that you don’t finish wasting money paying yearly premiums covering times when you are not needing full-time DJ equipment insurance cover.