Missouri DJ Insurance – MO – cost and types of policies
This is the ultimate guide for existing or start-up DJs in Missouri – (MO) 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 Missouri.
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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 Missouri, 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 required was a set of turntables and a basic mixer.
But DJing in Missouri has changed since then. You may still choose to use a turntable, but in a completely different way.
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On top of turntables, DJs in Missouri now want CD players, multichannel controllers and digital software.
This means you need expensive 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 stolen?
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 MO, 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 well known DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Missouri, there is also a lot of demand for mobile DJs who move their services to temporary premises for a single or short-term performance.
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 perpetual learning curve and you should 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. Once people in Missouri get to know you for your music you should show off your work and you’ll end up getting gigs.
Master 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 Missouri 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 Missouri 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 Missouri select a slightly more expensive option which is an all-in-one DJ system that operates off a tablet computer.
Such a system is a new 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 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 old fashioned route in Missouri said you needed only a couple of turntables with a mixer, plus speakers. Lately, you maybe want to keep the traditional feel but get yourself some current CD players or CD decks.
If you decide to mix tracks directly from your laptop or computer using this traditional set-up, try blending 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 super expensive source and you won’t need to be lugging around heavy bags to your gigs.
If you are trained, you can try mixing digitally on your laptop using commercial software. You could become a top-notch DJ at once after you download the correct program to your laptop!
There are even softwares available for free that could get you mixing today!
While you already have a computer, this is the cheapest way to become a DJ in MO 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 popular DJs in Missouri begin 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. Get feedback, because it’s important and will let you decide if you’re ready for professional work.
Managers in Missouri 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 Twitter to upload mixes, do live DJ shows, post photos of your gigs, and promote yourself all around Missouri.
Have you though about trying out as Missouri radio DJ, or internet 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 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 Missouri?
All operations in Missouri carries risks of unplanned things, and so needs several basic 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 Missouri 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 will be sued for damages and missouri court can rule that you are liable.
For DJs, some of the most usual examples are trips and falls because you have many cables 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 cables or containers were placed carelessly, and sue for the damage or injury.
You could be held responsible for the damage and you could have to cough-up large amounts.
One problem for mobile DJs in Missouri 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 instance of improper electrical grounding starting a fire.
DJ General liability insurance in Missouri can cover your for all these potential claims. Normally, small 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 missouri
Consider where you are hired as the DJ for a dance night for a big employer, and an accident stops you from showing up, or your gear malfunctions and the whole event has to be cancelled.
Now the customer could demand the expected revenue from the event, as well as damages for loss of reputation and other such losses.
In case a court decides against you, you will have to pay out the money from your own bank.
Missouri disk jockey’s most essential 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 Missouri 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 Missouri DJ business could freeze 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 Missouri have to 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 essential to know that in Missouri 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 safer when you take out a commercial vehicle insurance policy in Missouri so that you are fully protected in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Some insurance companies in Missouri 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 save DJ insurance in MO 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 month starting on the stated date.
If you are a casual start-up DJ who works in missouri on bar mitzvahs 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 kinds of general liability insurance to protect yourself from the possible claims.
The positive effect for you is that you do not end up wasting money paying annual premiums covering times when you are not looking for full-time DJ equipment insurance cover.