Kansas DJ Insurance – KS – cost and types of policies
This is the ultimate presentation for existing or start-up DJs in Kansas – (KS) that contains everything you will need to know about DJ insurance for your business.
We will also explain many of the different steps you should take to turn your dream of making money from DJing into a reality.
So you’ve decided to become a DJ in Kansas.
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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 Kansas, 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 twenty years ago, all you would have wanted was a set of turntables and a basic mixer.
But DJing in Kansas 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 Kansas now want CD players, multichannel controllers and digital software.
This means you need dedicated equipment like effects units, drum machines, and other hardware.
Your up-front investment in the gear may be heavy, but have you also given any thought to what will happen if the gear is lost?
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 decide what kind of, and how much, insurance you need.
In the entertainment world in KS, many of the clubs employ full-time disk jockeys.
If you get such a job, 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 Kansas, there is also a lot of requirement for mobile DJs who move their services to temporary premises for a single or short-term gig.
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 types 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. Once people in Kansas 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 become as a stage performer who gets the people to enjoy watching you put on a show.
It is all about vitality. People in Kansas go out to see their favorite DJ’s because of what they are doing, not because of their mixing skills.
What does a mobile DJ do?
A mobile DJ in Kansas 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 key factors.
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 Kansas select a slightly more expensive option which is an all-in-one DJ system that operates off a portable 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 Kansas said you needed only some turntables with a mixer, plus speakers. Currently, you maybe want to keep the traditional feel but get yourself some current CD players or CD decks.
If you want 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 super expensive source and you won’t need to be lugging around heavy bags to your shows.
If you are competent, you can try mixing digitally on your computer using commercial software. You could become a top-notch DJ at once after you download the right program to your laptop!
There are even services available for free that could get you mixing right away!
As long as you already have a device, this is the cheapest way to become a DJ in KS 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 well known DJs in Kansas get going by making some mixtapes and hand them out to friends and club owners.
The mixes are also heard by others on YouTube and elsewhere online. Request feedback, because it’s important and will let you decide if you’re ready for professional work.
Managers in Kansas 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 Twitter to upload mixes, do live DJ shows, post photos of your gigs, and promote yourself all around Kansas.
Have you tries trying out as Kansas radio DJ, or digital 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 Kansas?
Every business in Kansas 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 important kinds of basic DJ business insurance in Kansas 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 kansas court can judge that you are liable.
For DJs, some of the most common 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 jumping 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 wires or boxes were placed dangerously, and sue for the damage or injury.
You could be held responsible for the injury and you may have to cough-up large amounts.
One worry for mobile DJs in Kansas is the chance 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 grounding starting a fire.
DJ General liability insurance in Kansas can cover your for all these possible claims. Normally, start up 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 kansas
Think about where you are contracted as the DJ for a dance night for a big employer, and something stops you from showing up, or your equipment 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.
When a court decides against you, you will have to fund the money from your own bank.
Kansas 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 Kansas 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 Kansas DJ business could stop 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 Kansas must 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 essential to know that in Kansas your regular 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 Kansas so that you are fully insured in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Some insurance companies in Kansas 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 reduce DJ insurance in KS 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 home party DJ who works in kansas 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 yearly premiums covering times when you are not requiring full-time DJ equipment insurance cover.