Colorado DJ Insurance – CO – cost and types of policies
This is the ultimate presentation for existing or start-up DJs in Colorado – (CO) that contains everything you will need to know about DJ insurance for your business.
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We will also explain all of the different steps you must take to turn your dream of making money from DJing into a reality.
So you’ve chosen to become a DJ in Colorado.
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 Colorado, 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 required was a couple of turntables and a basic mixer.
But DJing in Colorado has changed since then. You may still choose to use a turntable, but in a completely different way.
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In addition to turntables, DJs in Colorado now want CD players, multichannel controllers and digital software.
This means you need special equipment like effects units, drum machines, and other hardware.
Your starting investment in the gear may be heavy, but have you also given any consideration 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 CO, many of the spots employ full-time disk jockeys.
If you get such a position, 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 Colorado, 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 kinds of mobile DJinsurance we talk about below.
DJing is an endless learning curve and you need still be learning new tricks like audience interaction, leading you on to better things.
Once you have good DJ skills, try producing your own genre of music. Once people in Colorado get to know you for your music you should show off your work and you’ll end up getting gigs.
Master crowd interaction so that you are as a stage performer who gets the crowd to enjoy watching you put on a show.
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It is all about vitality. People in Colorado 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 Colorado 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 Colorado opt for a slightly more expensive option which is an all-in-one DJ system that operates off a tablet 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 little more but you could save big in the end. There’s less equipment 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 Colorado 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 modern 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 prefer to go purely digital, because records are very expensive source and you won’t need to be lugging around heavy bags to your shows.
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 services available for free that could get you mixing immediately!
Assuming you already have a device, this is the cheapest way to become a DJ in CO especially for mobile DJs that need to travel a lot and can’t take hardware with them.
How do you get DJ gigs?
Most of the established DJs in Colorado begin by making some mixtapes and hand them out 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 Colorado will usually ask you to demonstrate before they risk letting you play live. Be ready for this by practicing your stuff at its best.
Use Facebook to upload mixes, do live DJ shows, post pictures of your gigs, and promote yourself all around Colorado.
Have you considered trying out as Colorado 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 useful 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 Colorado?
All businesses in Colorado carries risks of unexpected things, and so needs several fundamental 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 Colorado 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 colorado court can judge that you are liable.
For DJs, some of the most common examples are trips and falls because you have many cords 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 improperly, and sue for the damage or injury.
You could be held responsible for the consequences and you be forced have to cough-up large amounts.
One possibility for mobile DJs in Colorado 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 problem of improper electrical connections starting a fire.
DJ General liability insurance in Colorado can cover your for all these potential claims. Normally, small 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 colorado
Think about where you are engaged as the DJ for a dance night for an important employer, and a mishap stops you from showing up, or your gear malfunctions and the whole event has to be cancelled.
In this event the customer could claim the expected revenue from the event, plus damages for loss of reputation and other such losses.
When a court decides against you, you will have to pay out the money from your own bank.
Colorado disk jockey’s most important 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 Colorado is important.
It becomes 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 Colorado DJ business could halt 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 Colorado need to take their work gear to where it is needed, like function halls, sports clubs and other spots.
Suppose it fits into your private car, it’s vital to know that in Colorado 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 better off when you take out a commercial vehicle insurance policy in Colorado 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 Colorado 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 pay less DJ insurance in CO 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 stated date.
If you are a casual home party DJ who works in colorado 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 should take out all of the same types of professional liability insurance to protect yourself from the possible claims.
The great effect for you is that you are not wasting money paying yearly premiums covering times when you are not needing full-time DJ equipment insurance cover.