Hawaii DJ Insurance – HI – cost and types of policies
This is the ultimate guide for existing or start-up DJs in Hawaii – (HI) 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 selected to become a DJ in Hawaii.
Maybe you came to this decision after you listened to someone talk about a dynamic DJ they saw last night, or you watched the DJ at the favorite club in Hawaii, 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 couple of turntables and a basic mixer.
But DJing in Hawaii 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 Hawaii 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 the right insurance.
What kind of DJ are you?
The answer to this question will decide what kind of, and how much, insurance you need.
In the entertainment world in HI, 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 popular DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Hawaii, there is also a lot of demand for mobile DJs who move their services to temporary premises for a single or short-term engagement.
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 huge learning curve and you should still be learning new tricks like crowd interaction, leading you on to better things.
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Once you have good DJ skills, try mixing your own genre of music. As soon as people in Hawaii get to know you for your music you can show off your work and you’ll end up getting gigs.
Become better at 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 Hawaii 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 Hawaii is sometimes 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 very important.
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 Hawaii 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 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 Hawaii 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 modern CD players or CD decks.
If you decide 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 comfortable, you can try mixing digitally on your laptop using commercial software. You could become a top-notch DJ immediately after you download the best program to your laptop!
There are even softwares available for free that could get you mixing right away!
As long as you already have a laptop, this is the cheapest way to become a DJ in HI 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 popular DJs in Hawaii 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 decide if you’re ready for professional work.
Club owners in Hawaii 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 Twitter to upload mixes, do live DJ shows, post photos of your gigs, and promote yourself all around Hawaii.
Have you tries trying out as Hawaii radio DJ, or subscriber radio is another route.
You will have 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 Hawaii?
Every business in Hawaii carries risks of unplanned things, and so needs several essential 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 Hawaii 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 hawaii 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 containers in the venue where the event is happening, and people are jumping 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 containers were placed dangerously, 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 Hawaii 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 connections starting a fire.
DJ General liability insurance in Hawaii can cover your for all these conceivable 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 hawaii
Imagine where you are engaged as the DJ for a dance night for a big employer, and a mishap stops you from showing up, or your mixer malfunctions and the whole event has to be cancelled.
In such a case the customer could claim the expected revenue from the event, plus 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.
Hawaii disk jockey’s most essential asset is the apparatus 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 Hawaii is important.
It represents a big liability if you are renting or hiring the equipment, and so you must insure it against the possible risks, such as theft, malicious damage, fire, water damage etc.
Your Hawaii DJ business could halt 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 Hawaii have to take their work gear to where it is needed, like function halls, sports clubs and other venues.
Suppose it fits into your private car, it’s vital to know that in Hawaii your regular vehicle insurance will not cover the DJ equipment in the event of an accident, fire, theft or any other loss.
At the very 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 Hawaii 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 Hawaii 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 reduce DJ insurance in HI 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 fortnight starting on the specified date.
If you are a casual mobile DJ who works in hawaii 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 types of public liability insurance to protect yourself from the possible claims.
The great effect for you is that you do not end up wasting money paying annual premiums covering times when you are not requiring full-time DJ equipment insurance cover.