Louisiana DJ Insurance – LA – cost and types of policies
This is the ultimate introduction for existing or start-up DJs in Louisiana – (LA) 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 chosen to become a DJ in Louisiana.
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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 watched the DJ at the favorite club in Louisiana, 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 needed was a few turntables and a basic mixer.
But DJing in Louisiana has changed since then. You may still choose to use a turntable, but in a whole different way.
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In addition to turntables, DJs in Louisiana now want CD players, multichannel controllers and digital software.
This means you need special 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 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 LA, 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 Louisiana, 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 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 kinds 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 mixing your own genre of music. When people in Louisiana get to know you for your music you can show off your work and you’ll end up getting gigs.
Learn about 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 presentation. People in Louisiana 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 Louisiana 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 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 Louisiana 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 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 stuff 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 Louisiana said you needed only some turntables with a mixer, plus speakers. Lately, 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 fuzing 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 the most expensive source and you won’t need to be lugging around heavy bags to your gigs.
If you are competent, you can try mixing digitally on your tablet using commercial software. You could become a top-notch DJ at once after you download the correct program to your laptop!
There are even programs available for free that could get you mixing immediately!
Assuming you already have a laptop, this is the cheapest way to become a DJ in LA 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 well known DJs in Louisiana start by making some mixtapes and give them to friends and club owners.
The mixes my be heard by others on Facebook and elsewhere online. Request feedback, because it’s important and will let you decide if you’re ready for professional work.
Promoters in Louisiana 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 Facebook to upload mixes, do live DJ shows, post photos of your gigs, and promote yourself all around Louisiana.
Have you though about trying out as Louisiana radio DJ, or internet 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 Louisiana?
Every business in Louisiana carries risks of unexpected things, and so needs several essential kinds of insurance, to protect you in case something unexpected happens while you are working.
The most vital kinds of basic DJ business insurance in Louisiana are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is important in case 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 louisiana court can decide that you are liable.
For DJs, some of the most frequent 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 moving 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 wires or containers 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 Louisiana 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 problem of improper electrical grounding starting a fire.
DJ General liability insurance in Louisiana can cover your for all these potential claims. Normally, new DJs take around $1 million protection 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 louisiana
Consider where you are hired as the DJ for a dance night for a large employer, and a mishap 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, and damages for loss of reputation and other such losses.
When a court decides against you, you will have to pay out the money from your own bank.
Louisiana disk jockey’s most vital 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 Louisiana is essential.
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 Louisiana DJ business could halt 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 Louisiana have to take their work gear to where it is needed, like function halls, sports clubs and other venues.
Even if it fits into your private car, it’s important to know that in Louisiana your ordinary 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 more covered when you take out a commercial vehicle insurance policy in Louisiana so that you are fully insured in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Many insurance companies in Louisiana 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, if they are not working full-time.
You will pay less DJ insurance in LA 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 nominated date.
If you are a casual start-up DJ who works in louisiana on birthdays 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 need to take out all of the same sorts of professional liability insurance to protect yourself from the possible claims.
The positive effect for you is that you are not wasting money paying annual premiums covering times when you are not requiring full-time DJ equipment insurance cover.