California DJ Insurance – CA – cost and types of policies
This is the ultimate presentation for existing or start-up DJs in California – (CA) that contains everything you will need to know about DJ insurance for your business.
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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 chosen to become a DJ in California.
Maybe you came to this decision after you listened to someone talk about a dynamic DJ they saw last night, or you danced to the DJ at the favorite club in California, 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 California has changed since then. You may still choose to use a turntable, but in a whole different way.
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On top of turntables, DJs in California 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 thought to what will happen if the gear is stolen?
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 resolve what kind of, and how much, insurance you need.
In the entertainment world in CA, many of the spots employ full-time disk jockeys.
If you get such a job, 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 California, there is also a lot of demand for mobile DJs who move their services to temporary premises for a single or short-term performance.
It is vital 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 an endless learning curve and you should 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 California get to know you for your music you will 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 audience to enjoy watching you put on a show.
It is all about vitality. People in California go out to see their favorite DJ’s because of what they are doing, not because of their mixing skills.
What does a mobile DJ do?
A mobile DJ in California is maybe called a house party DJ, because mostly the venues are private parties.
Whatever, you need to select the right gear, because mobility and easy storage are key factors.
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 California 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 bit 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 California said you needed only some turntables with a mixer, plus speakers. Nowadays, you maybe want to keep the traditional feel but get yourself some up-to-date CD players or CD decks.
If you want 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.
Alternatively you prefer to go purely digital, because records are super expensive source and you won’t need to be lugging around heavy bags to your performances.
If you are competent, 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 services available for free that could get you mixing right away!
Assuming you already have a device, this is the cheapest way to become a DJ in CA 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 popular DJs in California start by making some mixtapes and give them to friends and club owners.
The mixes can be heard by others on Reddit and elsewhere online. Request feedback, because it’s important and will let you judge if you’re ready for professional work.
Managers in California will usually ask you to preview before they risk letting you play live. Be ready for this by having your stuff at its best.
Use social media to upload mixes, do live DJ shows, post pictures of your gigs, and promote yourself all around California.
Have you tries trying out as California radio DJ, or internet 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 California?
All operations in California 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 California are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is important 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 california court can rule 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 anyone before, during or after an event of which you are the DJ has such a fall, they may claim that your wires or containers were placed dangerously, and sue for the damage or injury.
You could be held responsible for the consequences and you may have to cough-up large amounts.
One problem for mobile DJs in California is the possibility 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 chance of improper electrical connections starting a fire.
DJ General liability insurance in California can cover your for all these possible claims. Normally, start up 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 california
Imagine where you are contracted as the DJ for a dance night for a large employer, and something stops you from showing up, or your mixer malfunctions and the whole event has to be cancelled.
Now the customer could demand the expected revenue from the event, as well as damages for loss of reputation and other such losses.
In case a court decides against you, you will have to fund the money from your own bank.
California disk jockey’s most vital 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 California is vital.
It represents a big liability if you are renting or hiring the equipment, and so you must insure it against the likely risks, such as theft, malicious damage, fire, water damage etc.
Your California DJ business could freeze without the right equipment, so you are not only losing the value of the assets, but also future profit\cash flow.
Commercial Vehicle insurance
Most mobile DJs in California need to take their work gear to where it is needed, like function halls, sports clubs and other spots.
Even if it fits into your private car, it’s essential to know that in California your ordinary vehicle insurance will not cover the DJ equipment in the event of an accident, fire, theft or any other loss.
Minimum 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 California so that you are fully covered in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Many insurance companies in California 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, if they are not working full-time.
You will save DJ insurance in CA cost by having lower premiums while still having the same risk cover.
You buy the cover for a specific period, like a day, or for a week starting on the specified date.
If you are a casual start-up DJ who works in california on birthdays 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 sorts of general liability insurance to protect yourself from the possible claims.
The positive 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.