Massachusetts DJ Insurance – MA – cost and types of policies
This is the ultimate presentation for existing or start-up DJs in Massachusetts – (MA) 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 decided to become a DJ in Massachusetts.
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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 danced to the DJ at the favorite club in Massachusetts, 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 needed was a set of turntables and a basic mixer.
But DJing in Massachusetts 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 Massachusetts 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 consideration to what will happen if the gear is stolen?
For this possibility, you should seriously be thinking about taking out adequate 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 MA, many of the clubs 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 popular DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Massachusetts, there is also a lot of demand 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 kinds of mobile DJinsurance we talk about below.
DJing is an endless 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. Once people in Massachusetts get to know you for your music you should show off your work and you’ll end up getting gigs.
Become better at 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 personality. People in Massachusetts 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 Massachusetts is maybe 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 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 Massachusetts choose a slightly more expensive option which is an all-in-one DJ system that operates off a tablet 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 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 traditional route in Massachusetts 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 mixing tracks directly from your laptop or your iPhone using an all-in-one DJ controller.
Maybe 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 trained, you can try mixing digitally on your computer using commercial software. You could become a top-notch DJ today after you download the right program to your laptop!
There are even programs available for free that could get you mixing immediately!
While you already have a laptop, this is the cheapest way to become a DJ in MA 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 established DJs in Massachusetts begin by making some mixtapes and give them to friends and club owners.
The mixes my be 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 Massachusetts will usually ask you to audition before they risk letting you play live. Be ready for this by having your stuff at its best.
Use social media to upload mixes, do live DJ shows, post videos of your gigs, and promote yourself all around Massachusetts.
Have you considered trying out as Massachusetts radio DJ, or internet radio is another route.
You will have 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 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 Massachusetts?
All businesses in Massachusetts carries risks of unforeseen things, and so needs several basic 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 Massachusetts 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 massachusetts court can decide that you are liable.
For DJs, some of the most frequent examples are trips and falls because you have many cables 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 containers 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 worry for mobile DJs in Massachusetts is the possibility of fires caused by hot lighting positioned around the venue. It can fall or start a fire if something inflammable comes into contact.
As well there is the problem of improper electrical connections starting a fire.
DJ General liability insurance in Massachusetts can cover your for all these conceivable 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 massachusetts
Consider where you are contracted 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, plus 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.
Massachusetts 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 Massachusetts is important.
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 Massachusetts DJ business could stop 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 Massachusetts must take their work gear to where it is needed, like function halls, sports clubs and other venues.
Although it fits into your private car, it’s vital to know that in Massachusetts 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 more covered when you take out a commercial vehicle insurance policy in Massachusetts 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 Massachusetts 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, when they are not working full-time.
You will pay less DJ insurance in MA 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 nominated date.
If you are a casual start-up DJ who works in massachusetts 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 kinds of general liability insurance to protect yourself from the possible claims.
The great 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.