Maine DJ Insurance – ME – cost and types of policies
This is the ultimate presentation for existing or start-up DJs in Maine – (ME) that contains everything you will need to know about DJ insurance for your business.
We will also explain some of the different steps you must take to turn your dream of making money from DJing into a reality.
So you’ve decided to become a DJ in Maine.
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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 Maine, 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 required was a few turntables and a basic mixer.
But DJing in Maine has changed since then. You may still choose to use a turntable, but in a completely different way.
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In addition to turntables, DJs in Maine 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 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 ME, 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 Maine, 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 essential 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 audience interaction, leading you on to better things.
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Once you have good DJ skills, try producing your own genre of music. When people in Maine 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 as a stage performer who gets the crowd to enjoy watching you put on a show.
It is all about vitality. People in Maine 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 Maine is often 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 Maine opt for 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 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 Maine said you needed only some turntables with a mixer, plus speakers. Nowadays, 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 mixing tracks directly from your laptop or your iPhone using an all-in-one DJ controller.
Alternatively 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 gigs.
If you are comfortable, you can try mixing digitally on your computer using commercial software. You could become a top-notch DJ at once 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 ME 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 Maine start by making some mixtapes and distribute them to friends and club owners.
The mixes can be heard by others on Facebook and elsewhere online. Get feedback, because it’s important and will let you know if you’re ready for professional work.
Club owners in Maine 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 Twitter to upload mixes, do live DJ shows, post videos of your gigs, and promote yourself all around Maine.
Have you considered trying out as Maine radio DJ, or digital 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 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 Maine?
All businesses in Maine carries risks of unforeseen 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 Maine are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is important 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 maine court can decide that you are liable.
For DJs, some of the most frequent examples are trips and falls because you have many wires as well as speakers in the venue where the event is happening, and people are moving all around the floor.
If some person before, during or after an event of which you are the DJ has such a fall, they may claim that your cables or boxes were placed improperly, and sue for the damage or injury.
You could be held responsible for the consequences and you may have to cough-up large amounts.
One problem for mobile DJs in Maine 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.
The same goes since there is the chance of improper electrical connections starting a fire.
DJ General liability insurance in Maine can cover your for all these possible 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 maine
Consider where you are engaged as the DJ for a dance night for an important employer, and a mishap stops you from showing up, or your mixer malfunctions and the whole event has to be cancelled.
Now the customer could claim 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 pay out the money from your own bank.
Maine 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 Maine is vital.
It becomes 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 Maine 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 Maine must 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 essential to know that in Maine your private 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 better off when you take out a commercial vehicle insurance policy in Maine so that you are fully covered in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Some insurance companies in Maine 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 save DJ insurance in ME 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 specified date.
If you are a casual start-up DJ who works in maine 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 should take out all of the same types of public liability insurance to protect yourself from the possible claims.
The good effect for you is that you are not wasting money paying annual premiums covering times when you are not needing full-time DJ equipment insurance cover.