Connecticut DJ Insurance – CT – cost and types of policies
This is the ultimate presentation for existing or start-up DJs in Connecticut – (CT) that contains everything you will need to know about DJ insurance for your business.
We will also explain some 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 Connecticut.
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Maybe you came to this decision after you listened to someone talk about a fabulous DJ they saw last night, or you saw the DJ at the favorite club in Connecticut, 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 set of turntables and a basic mixer.
But DJing in Connecticut 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 Connecticut now want CD players, multichannel controllers and digital software.
This means you need expensive 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 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 determine what kind of, and how much, insurance you need.
In the entertainment world in CT, many of the dives 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 Connecticut, 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 sorts of mobile DJinsurance we talk about below.
DJing is a perpetual learning curve and you need 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 producing your own genre of music. As soon as people in Connecticut 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 as a stage performer who gets the people to enjoy watching you put on a show.
It is all about presentation. People in Connecticut 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 Connecticut 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 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 Connecticut 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 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 old fashioned route in Connecticut said you needed only some turntables with a mixer, plus speakers. Currently, you maybe want to keep the traditional feel but get yourself some modern CD players or CD decks.
If you prefer 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 the most 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 right program to your laptop!
There are even services available for free that could get you mixing today!
Assuming you already have a laptop, this is the cheapest way to become a DJ in CT 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 Connecticut begin by making some mixtapes and hand them out to friends and club owners.
The mixes my be heard by others on Reddit and elsewhere online. Request feedback, because it’s important and will let you know if you’re ready for professional work.
Managers in Connecticut 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 social media to upload mixes, do live DJ shows, post photos of your gigs, and promote yourself all around Connecticut.
Have you though about trying out as Connecticut radio DJ, or internet radio is another route.
You will keep the option to mix and present from home perhaps 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 Connecticut?
Every business in Connecticut carries risks of unplanned things, and so needs several basic kinds of insurance, to protect you in case something unexpected happens while you are working.
The most essential kinds of basic DJ business insurance in Connecticut are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is required 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 will be sued for damages and connecticut court can rule 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 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 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 Connecticut 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 wiring starting a fire.
DJ General liability insurance in Connecticut can cover your for all these conceivable claims. Normally, small 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 connecticut
Imagine 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 equipment 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.
Connecticut disk jockey’s most essential 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 Connecticut is important.
It represents 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 Connecticut DJ business could stop 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 Connecticut must take their work gear to where it is needed, like function halls, sports clubs and other places.
Even if it fits into your private car, it’s important to know that in Connecticut 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 Connecticut 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 Connecticut 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, when they are not working full-time.
You will pay less DJ insurance in CT 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 week starting on the stated date.
If you are a casual mobile DJ who works in connecticut on bar mitzvahs 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 professional liability insurance to protect yourself from the possible claims.
The positive effect for you is that you are not wasting money paying full premiums covering times when you are not looking for full-time DJ equipment insurance cover.