Georgia DJ Insurance – GA – cost and types of policies
This is the ultimate guide for existing or start-up DJs in Georgia – (GA) that contains everything you will need to know about DJ insurance for your business.
We will also explain some 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 Georgia.
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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 Georgia, 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 required was a few turntables and a basic mixer.
But DJing in Georgia has changed since then. You may still choose to use a turntable, but in a totally different way.
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In addition to turntables, DJs in Georgia now want CD players, multichannel controllers and digital software.
This means you need dedicated equipment like effects units, drum machines, and other hardware.
Your initial 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 determine what kind of, and how much, insurance you need.
In the entertainment world in GA, many of the dives 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 famous DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Georgia, 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 important 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 listener interaction, leading you on to better things.
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Once you have good DJ skills, try issuing your own genre of music. As soon as people in Georgia get to know you for your music you will 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 audience to enjoy watching you put on a show.
It is all about personality. People in Georgia 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 Georgia is often 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 essential.
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 Georgia select a slightly more expensive option which is an all-in-one DJ system that operates off a laptop 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 slight amount 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 Georgia said you needed only a pair of turntables with a mixer, plus speakers. Currently, 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 fuzing tracks directly from your laptop or your iPhone using an all-in-one DJ controller.
Alternatively you decide 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 trained, you can try mixing digitally on your laptop using commercial software. You could become a top-notch DJ today after you download the best program to your laptop!
There are even softwares available for free that could get you mixing immediately!
As long as you already have a computer, this is the cheapest way to become a DJ in GA 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 Georgia start by making some mixtapes and give them to friends and club owners.
The mixes are also heard by others on Facebook and elsewhere online. Get feedback, because it’s important and will let you decide if you’re ready for professional work.
Managers in Georgia will usually ask you to demonstrate 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 Georgia.
Have you though about trying out as Georgia radio DJ, or internet radio is another route.
You will have the option to mix and present from home even 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 Georgia?
All operations in Georgia 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 Georgia are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is necessary if 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 georgia 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 someone before, during or after an event of which you are the DJ has such a fall, they may claim that your cords or boxes were placed carelessly, and sue for the damage or injury.
You could be held responsible for the injury and you be forced have to cough-up large amounts.
One possibility for mobile DJs in Georgia 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 problem of improper electrical grounding starting a fire.
DJ General liability insurance in Georgia can cover your for all these possible 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 georgia
Imagine where you are engaged as the DJ for a dance night for a large 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 sue for 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 pay out the money from your own bank.
Georgia disk jockey’s most essential 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 Georgia is essential.
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 Georgia 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 Georgia have to take their work gear to where it is needed, like function halls, sports clubs and other places.
Although it fits into your private car, it’s essential to know that in Georgia 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 more covered when you take out a commercial vehicle insurance policy in Georgia 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 Georgia 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, in case they are not working full-time.
You will pay less DJ insurance in GA 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 nominated date.
If you are a casual mobile DJ who works in georgia on anniversaries 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 sorts of general liability insurance to protect yourself from the possible claims.
The great effect for you is that you are not wasting money paying full premiums covering times when you are not needing full-time DJ equipment insurance cover.