Kentucky DJ Insurance – KY – cost and types of policies
This is the ultimate introduction for existing or start-up DJs in Kentucky – (KY) that contains everything you will need to know about DJ insurance for your business.
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 Kentucky.
Get Your Free Quote
Maybe you came to this decision after you listened to someone talk about a great DJ they saw last night, or you saw the DJ at the favorite club in Kentucky, 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 required was a set of turntables and a basic mixer.
But DJing in Kentucky has changed since then. You may still choose to use a turntable, but in a completely different way.
Small Business General Liability Protection:
>> Get Your Free Quote
As well as turntables, DJs in Kentucky now want CD players, multichannel controllers and digital software.
This means you need special equipment like effects units, drum machines, and other hardware.
Your initial investment in the gear may be heavy, but have you also given any consideration 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 KY, 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.
Get Your Business Insurance:
>> Get Your Free Quote
Often, having a popular DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Kentucky, there is also a lot of requirement 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 need still be learning new tricks like audience interaction, leading you on to better things.
Get Your Business Insurance:
For Your Free Quote, Try NOW!
Once you have good DJ skills, try issuing your own genre of music. Once people in Kentucky 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 become as a stage performer who gets the audience to enjoy watching you put on a show.
It is all about vitality. People in Kentucky 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 Kentucky 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 Kentucky opt for 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 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 Kentucky said you needed only a couple of turntables with a mixer, plus speakers. Lately, you maybe want to keep the traditional feel but get yourself some current 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.
Or else you want to go purely digital, because records are the most expensive source and you won’t need to be lugging around heavy bags to your shows.
If you are trained, you can try mixing digitally on your computer using commercial software. You could become a top-notch DJ today after you download the correct program to your laptop!
There are even programs available for free that could get you mixing today!
As long as you already have a laptop, this is the cheapest way to become a DJ in KY 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 well known DJs in Kentucky start by making some mixtapes and distribute them to friends and club owners.
The mixes are also heard by others on YouTube and elsewhere online. Get feedback, because it’s important and will let you decide if you’re ready for professional work.
Promoters in Kentucky will usually ask you to preview before they risk letting you play live. Be ready for this by practicing your stuff at its best.
Use Facebook to upload mixes, do live DJ shows, post videos of your gigs, and promote yourself all around Kentucky.
Have you though about trying out as Kentucky radio DJ, or digital radio is another route.
You will retain 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 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 Kentucky?
All operations in Kentucky 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 Kentucky are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is required when some accident causes injury to a person, or damage to their property, while they are in the place where you are working, you could(may be sued for damages and kentucky court can judge that you are liable.
For DJs, some of the most frequent examples are trips and falls because you have many cables 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 cords or boxes were placed carelessly, and sue for the damage or injury.
You could be held responsible for the injury and you could have to cough-up large amounts.
One possibility for mobile DJs in Kentucky 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 Kentucky can cover your for all these possible claims. Normally, new 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 kentucky
Imagine where you are hired as the DJ for a dance night for a large 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.
If a court decides against you, you will have to fund the money from your own bank.
Kentucky disk jockey’s most important 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 Kentucky is essential.
It becomes 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 Kentucky 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 Kentucky 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 vital to know that in Kentucky your regular 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 Kentucky so that you are fully protected in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Several insurance companies in Kentucky 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, when they are not working full-time.
You will pay less DJ insurance in KY cost by having lower premiums while still having the same risk cover.
You buy 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 kentucky on anniversaries in homes, then you will have a schedule of bookings, so you will 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 sorts 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 needing full-time DJ equipment insurance cover.