Mississippi DJ Insurance – MS – cost and types of policies
This is the ultimate guide for existing or start-up DJs in Mississippi – (MS) that contains everything you will need to know about DJ insurance for your business.
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We will also explain all of the different steps you need to take to turn your dream of making money from DJing into a reality.
So you’ve decided to become a DJ in Mississippi.
Maybe you came to this decision after you listened to someone talk about a dynamic DJ they saw last night, or you saw the DJ at the favorite club in Mississippi, 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 Mississippi has changed since then. You may still choose to use a turntable, but in a whole different way.
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On top of turntables, DJs in Mississippi now want CD players, multichannel controllers and digital software.
This means you need expensive equipment like effects units, drum machines, and other hardware.
Your starting 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 adequate insurance.
What kind of DJ are you?
The answer to this question will determine what kind of, and how much, insurance you need.
In the entertainment world in MS, many of the spots 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 well known DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Mississippi, there is also a lot of need 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 kinds of mobile DJinsurance we talk about below.
DJing is a huge learning curve and you need 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 mixing your own genre of music. Once people in Mississippi get to know you for your music you can 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 people to enjoy watching you put on a show.
It is all about presentation. People in Mississippi 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 Mississippi 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 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 Mississippi opt for a slightly more expensive option which is an all-in-one DJ system that operates off a tablet computer.
Such a system is a recent 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 original route in Mississippi said you needed only some turntables with a mixer, plus speakers. Currently, you maybe want to keep the traditional feel but get yourself some modern CD players or CD decks.
If you prefer 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.
Alternatively you want to go purely digital, because records are very expensive source and you won’t need to be lugging around heavy bags to your shows.
If you are competent, you can try mixing digitally on your laptop using commercial software. You could become a top-notch DJ at once after you download the best program to your laptop!
There are even programs available for free that could get you mixing right away!
While you already have a device, this is the cheapest way to become a DJ in MS 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 well known DJs in Mississippi 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. Ask for feedback, because it’s important and will let you judge if you’re ready for professional work.
Promoters in Mississippi will usually ask you to demonstrate 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 Mississippi.
Have you though about trying out as Mississippi radio DJ, or subscriber radio is another route.
You will keep the option to mix and present from home perhaps 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 Mississippi?
Every business in Mississippi carries risks of unexpected things, and so needs several fundamental kinds of insurance, to protect you in case something unexpected happens while you are working.
The most important kinds of basic DJ business insurance in Mississippi are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is required 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 mississippi 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 boxes in the venue where the event is happening, and people are dancing 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 cords or containers were placed dangerously, 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 possibility for mobile DJs in Mississippi 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.
As well there is the chance of improper electrical grounding starting a fire.
DJ General liability insurance in Mississippi 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 mississippi
Think about where you are engaged as the DJ for a dance night for an important employer, and an accident stops you from showing up, or your mixer malfunctions and the whole event has to be cancelled.
Now the customer could sue for 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.
Mississippi disk jockey’s most essential 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 Mississippi is important.
It represents 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 Mississippi 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 Mississippi need to take their work gear to where it is needed, like function halls, sports clubs and other venues.
Suppose it fits into your private car, it’s vital to know that in Mississippi your private 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 Mississippi 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 Mississippi 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 MS 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 mississippi on anniversaries in homes, then you will have a schedule of bookings, so you should 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 general liability insurance to protect yourself from the possible claims.
The positive effect for you is that you are not wasting money paying full premiums covering times when you are not needing full-time DJ equipment insurance cover.