Arkansas DJ Insurance – AR – cost and types of policies
This is the ultimate introduction for existing or start-up DJs in Arkansas – (AR) that contains everything you will need to know about DJ insurance for your business.
We will also explain many 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 Arkansas.
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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 Arkansas, 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 thirty years ago, all you would have needed was a set of turntables and a basic mixer.
But DJing in Arkansas 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 Arkansas now want CD players, multichannel controllers and digital software.
This means you need expensive equipment like effects units, drum machines, and other hardware.
Your starting investment in the gear may be heavy, but have you also given any attention 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 decide what kind of, and how much, insurance you need.
In the entertainment world in AR, many of the spots 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 well known DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Arkansas, 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 sorts of mobile DJinsurance we talk about below.
DJing is a perpetual learning curve and you must 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. When people in Arkansas 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 become as a stage performer who gets the crowd to enjoy watching you put on a show.
It is all about personality. People in Arkansas 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 Arkansas is maybe called a house party DJ, because mostly the venues are private parties.
Whatever, you need to buy the right gear, because mobility and easy storage are very important.
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 Arkansas choose a slightly more expensive option which is an all-in-one DJ system that operates off a tablet computer.
Such a system is a new 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 traditional route in Arkansas said you needed only a couple of turntables with a mixer, plus speakers. Currently, you maybe want to keep the traditional feel but get yourself some current CD players or CD decks.
If you decide to mix tracks directly from your laptop or computer using this traditional set-up, try mixing tracks directly from your laptop or your iPhone using an all-in-one DJ controller.
Alternatively you want to go purely digital, because records are very expensive source and you won’t need to be lugging around heavy bags to your performances.
If you are trained, you can try mixing digitally on your tablet using commercial software. You could become a top-notch DJ at once after you download the best program to your laptop!
There are even softwares available for free that could get you mixing right away!
Assuming you already have a computer, this is the cheapest way to become a DJ in AR especially for mobile DJs that must travel a lot and can’t take hardware with them.
How do you get DJ gigs?
Most of the established DJs in Arkansas begin by making some mixtapes and hand them out to friends and club owners.
The mixes are also 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.
Managers in Arkansas will usually ask you to demonstrate before they risk letting you play live. Be ready for this by preparing your stuff at its best.
Use social media to upload mixes, do live DJ shows, post photos of your gigs, and promote yourself all around Arkansas.
Have you considered trying out as Arkansas radio DJ, or subscriber radio is another route.
You will retain the option to mix and present from home maybe 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 in Arkansas?
All operations in Arkansas 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 Arkansas are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is necessary in case some accident causes injury to a person, or damage to their property, while they are in the place where you are working, you could(may be sued for damages and arkansas court can judge that you are liable.
For DJs, some of the most frequent 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 dancing all around the floor.
If anyone before, during or after an event of which you are the DJ has such a fall, they may claim that your cords or speakers were placed carelessly, 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 possibility for mobile DJs in Arkansas is the likelihood of fires caused by hot lighting positioned around the venue. It can fall or start a fire if something inflammable comes into contact.
Also there is the chance of improper electrical connections starting a fire.
DJ General liability insurance in Arkansas can cover your for all these potential claims. Normally, small DJs take around $1 million insurance 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 arkansas
Consider where you are hired as the DJ for a dance night for an important employer, and an accident stops you from showing up, or your gear malfunctions and the whole event has to be cancelled.
In such a case the customer could claim the expected revenue from the event, and damages for loss of reputation and other such losses.
If a court decides against you, you will have to find the money from your own bank.
Arkansas disk jockey’s most important asset is the equipment 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 Arkansas is important.
It becomes 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 Arkansas 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 Arkansas 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 essential to know that in Arkansas 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 Arkansas so that you are fully covered in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Several insurance companies in Arkansas have begun to offer 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 AR 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 month starting on the specified date.
If you are a casual mobile DJ who works in arkansas on birthdays in homes, then you will have a schedule of bookings, so you should 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 need to take out all of the same sorts 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.