Michigan DJ Insurance – MI – cost and types of policies
This is the ultimate guide for existing or start-up DJs in Michigan – (MI) that contains everything you will need to know about DJ insurance for your business.
We will also explain all of the different steps you should take to turn your dream of making money from DJing into a reality.
So you’ve selected to become a DJ in Michigan.
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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 Michigan, 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 wanted was a few turntables and a basic mixer.
But DJing in Michigan has changed since then. You may still choose to use a turntable, but in a completely different way.
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As well as turntables, DJs in Michigan 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 vandalized?
For this possibility, you should seriously be thinking about taking out the right 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 MI, many of the spots 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 popular DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Michigan, 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 types of mobile DJinsurance we talk about below.
DJing is a huge learning curve and you should still be learning new tricks like crowd 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 Michigan get to know you for your music you should 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 audience to enjoy watching you put on a show.
It is all about presentation. People in Michigan 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 Michigan 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 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 Michigan select 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 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 Michigan said you needed only a couple of turntables with a mixer, plus speakers. Nowadays, 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 mixing tracks directly from your laptop or your iPhone using an all-in-one DJ controller.
Maybe you want to go purely digital, because records are super 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 laptop using commercial software. You could become a top-notch DJ today after you download the best program to your laptop!
There are even services available for free that could get you mixing right away!
Assuming you already have a computer, this is the cheapest way to become a DJ in MI 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 Michigan start by making some mixtapes and hand them out to friends and club owners.
The mixes my be heard by others on Reddit and elsewhere online. Request feedback, because it’s important and will let you judge if you’re ready for professional work.
Promoters in Michigan 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 videos of your gigs, and promote yourself all around Michigan.
Have you tries trying out as Michigan radio DJ, or internet radio is another route.
You will keep 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 powerful 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 Michigan?
All operations in Michigan 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 essential kinds of basic DJ business insurance in Michigan 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 could(may be sued for damages and michigan court can decide that you are liable.
For DJs, some of the most common 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 jumping 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 improperly, and sue for the damage or injury.
You could be held responsible for the injury and you be forced have to cough-up large amounts.
One worry for mobile DJs in Michigan is the likelihood of fires caused by hot lighting positioned around the venue. It may fall or start a fire if something inflammable comes into contact.
As well there is the chance of improper electrical wiring starting a fire.
DJ General liability insurance in Michigan can cover your for all these potential 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 michigan
Think about 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 gear malfunctions and the whole event has to be cancelled.
In this event the customer could claim the expected revenue from the event, plus damages for loss of reputation and other such losses.
In case a court decides against you, you will have to fund the money from your own bank.
Michigan disk jockey’s most vital 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 Michigan 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 Michigan 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 Michigan have to 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 important to know that in Michigan 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 Michigan so that you are fully covered in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Many insurance companies in Michigan have begun to provide 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 MI 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 fortnight starting on the specified date.
If you are a casual home party DJ who works in michigan 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 must take out all of the same types of public 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.