Florida DJ Insurance – FL – cost and types of policies
This is the ultimate introduction for existing or start-up DJs in Florida – (FL) that contains everything you will need to know about DJ insurance for your business.
We will also explain many of the different steps you must take to turn your dream of making money from DJing into a reality.
So you’ve decided to become a DJ in Florida.
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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 watched the DJ at the favorite club in Florida, 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 needed was a set of turntables and a basic mixer.
But DJing in Florida has changed since then. You may still choose to use a turntable, but in a totally different way.
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On top of turntables, DJs in Florida 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 attention to what will happen if the gear is vandalized?
For this possibility, you should seriously be thinking about taking out enough 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 FL, 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 Florida, there is also a lot of need for mobile DJs who move their services to temporary premises for a single or short-term engagement.
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 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 producing your own genre of music. Once people in Florida get to know you for your music you can show off your work and you’ll end up getting gigs.
Master crowd interaction so that you are seen as a stage performer who gets the people to enjoy watching you put on a show.
It is all about vitality. People in Florida 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 Florida is often 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 key factors.
Instead of individual components like turntables, mixers, records, CDs and all the other paraphernalia 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 Florida choose 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 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 original route in Florida 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 prefer 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 right program to your laptop!
There are even softwares available for free that could get you mixing immediately!
Assuming you already have a computer, this is the cheapest way to become a DJ in FL 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 Florida start by making some mixtapes and distribute them to friends and club owners.
The mixes are also 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 Florida will usually ask you to preview before they risk letting you play live. Be ready for this by preparing your stuff at its best.
Use Twitter to upload mixes, do live DJ shows, post photos of your gigs, and promote yourself all around Florida.
Have you tries trying out as Florida radio DJ, or internet radio is another route.
You will retain 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 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 Florida?
Every business in Florida carries risks of unplanned things, and so needs several fundamental 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 Florida are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is necessary 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 florida court can rule that you are liable.
For DJs, some of the most usual 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 someone before, during or after an event of which you are the DJ has such a fall, they may claim that your cables or containers were placed improperly, 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 Florida 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 instance of improper electrical connections starting a fire.
DJ General liability insurance in Florida 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 florida
Imagine where you are engaged as the DJ for a dance night for a large employer, and something stops you from showing up, or your gear malfunctions and the whole event has to be cancelled.
In such a case the customer could demand the expected revenue from the event, as well as damages for loss of reputation and other such losses.
If a court decides against you, you will have to pay out the money from your own bank.
Florida 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 Florida is essential.
It is 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 Florida 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 Florida 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 Florida your private 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 better off when you take out a commercial vehicle insurance policy in Florida so that you are fully protected in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Many insurance companies in Florida 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 pay less DJ insurance in FL 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 specified date.
If you are a casual mobile DJ who works in florida 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 need to take out all of the same kinds of public liability insurance to protect yourself from the possible claims.
The great effect for you is that you don’t finish wasting money paying full premiums covering times when you are not requiring full-time DJ equipment insurance cover.