Nevada DJ Insurance – NV – cost and types of policies
This is the ultimate guide for existing or start-up DJs in Nevada – (NV) 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 chosen to become a DJ in Nevada.
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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 Nevada, 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 twenty years ago, all you would have needed was a set of turntables and a basic mixer.
But DJing in Nevada 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 Nevada 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 thought 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 resolve what kind of, and how much, insurance you need.
In the entertainment world in NV, 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 Nevada, 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 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 types of mobile DJinsurance we talk about below.
DJing is a perpetual 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. When people in Nevada get to know you for your music you will show off your work and you’ll end up getting gigs.
Learn about crowd interaction so that you become as a stage performer who gets the people to enjoy watching you put on a show.
It is all about vitality. People in Nevada 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 Nevada is often 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 Nevada 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 modern 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 original route in Nevada 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 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.
Alternatively you decide to go purely digital, because records are the most 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 laptop using commercial software. You could become a top-notch DJ immediately after you download the correct program to your laptop!
There are even programs available for free that could get you mixing today!
Assuming you already have a laptop, this is the cheapest way to become a DJ in NV 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 Nevada start by making some mixtapes and hand them out to friends and club owners.
The mixes can be heard by others on Facebook and elsewhere online. Get feedback, because it’s important and will let you know if you’re ready for professional work.
Promoters in Nevada 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 Twitter to upload mixes, do live DJ shows, post pictures of your gigs, and promote yourself all around Nevada.
Have you though about trying out as Nevada radio DJ, or digital radio is another route.
You will keep the option to mix and present from home even 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 Nevada?
Every business in Nevada carries risks of unforeseen things, and so needs several fundamental 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 Nevada 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 will be sued for damages and nevada court can rule 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 cables or boxes were placed dangerously, 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 worry for mobile DJs in Nevada is the chance 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 problem of improper electrical grounding starting a fire.
DJ General liability insurance in Nevada can cover your for all these potential claims. Normally, start up 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 nevada
Imagine where you are contracted as the DJ for a dance night for an important employer, and an accident stops you from showing up, or your equipment 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.
When a court decides against you, you will have to fund the money from your own bank.
Nevada 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 Nevada is important.
It is a big liability if you are renting or hiring the equipment, and so you must insure it against the likely risks, such as theft, malicious damage, fire, water damage etc.
Your Nevada DJ business could halt 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 Nevada must take their work gear to where it is needed, like function halls, sports clubs and other spots.
Although it fits into your private car, it’s important to know that in Nevada 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 more covered when you take out a commercial vehicle insurance policy in Nevada 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 Nevada 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 NV 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 week starting on the nominated date.
If you are a casual mobile DJ who works in nevada 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 kinds of professional liability insurance to protect yourself from the possible claims.
The good effect for you is that you do not end up wasting money paying yearly premiums covering times when you are not needing full-time DJ equipment insurance cover.