Montana DJ Insurance – MT – cost and types of policies
This is the ultimate guide for existing or start-up DJs in Montana – (MT) that contains everything you will need to know about DJ insurance for your business.
We will also explain many 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 Montana.
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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 Montana, 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 few turntables and a basic mixer.
But DJing in Montana has changed since then. You may still choose to use a turntable, but in a whole different way.
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In addition to turntables, DJs in Montana 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 thought to what will happen if the gear is vandalized?
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 MT, many of the dives employ full-time disk jockeys.
If you get such a job, 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 Montana, there is also a lot of requirement 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 need 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 producing your own genre of music. Once people in Montana 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 become as a stage performer who gets the audience to enjoy watching you put on a show.
It is all about presentation. People in Montana 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 Montana 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 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 Montana 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 new component that makes sense for house party DJ’s because it means you’ll have less equipment to carry.
You may pay a bit 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 old fashioned route in Montana 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.
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 gigs.
If you are competent, you can try mixing digitally on your tablet using commercial software. You could become a top-notch DJ immediately after you download the right program to your laptop!
There are even services available for free that could get you mixing immediately!
While you already have a computer, this is the cheapest way to become a DJ in MT 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 popular DJs in Montana begin by making some mixtapes and distribute them to friends and club owners.
The mixes my be heard by others on Facebook and elsewhere online. Ask for feedback, because it’s important and will let you judge if you’re ready for professional work.
Club owners in Montana will usually ask you to preview 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 Montana.
Have you tries trying out as Montana 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 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 Montana?
All businesses in Montana carries risks of unplanned things, and so needs several fundamental 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 Montana are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is important if 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 montana court can judge 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 someone 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 improperly, 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 possibility for mobile DJs in Montana is the possibility of fires caused by hot lighting positioned around the venue. It may fall or start a fire if something inflammable comes into contact.
The same goes since there is the problem of improper electrical wiring starting a fire.
DJ General liability insurance in Montana 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 montana
Imagine where you are hired as the DJ for a dance night for a large 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 demand the expected revenue from the event, and 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.
Montana 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 Montana is important.
It is 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 Montana 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 Montana need to take their work gear to where it is needed, like function halls, sports clubs and other places.
Although it fits into your private car, it’s vital to know that in Montana 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 better off when you take out a commercial vehicle insurance policy in Montana so that you are fully protected in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Many insurance companies in Montana 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 reduce DJ insurance in MT 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 month starting on the nominated date.
If you are a casual start-up DJ who works in montana 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 need to take out all of the same sorts of public liability insurance to protect yourself from the possible claims.
The great effect for you is that you don’t finish wasting money paying annual premiums covering times when you are not needing full-time DJ equipment insurance cover.