New Hampshire DJ Insurance – NH – cost and types of policies
This is the ultimate presentation for existing or start-up DJs in New Hampshire – (NH) that contains everything you will need to know about DJ insurance for your business.
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We will also explain many of the different steps you need to take to turn your dream of making money from DJing into a reality.
So you’ve selected to become a DJ in New Hampshire.
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 New Hampshire, 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 required was a few turntables and a basic mixer.
But DJing in New Hampshire 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 New Hampshire now want CD players, multichannel controllers and digital software.
This means you need dedicated 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 the right 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 NH, many of the clubs 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 famous DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In New Hampshire, 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 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 sorts of mobile DJinsurance we talk about below.
DJing is a huge 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 producing your own genre of music. As soon as people in New Hampshire 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 become as a stage performer who gets the audience to enjoy watching you put on a show.
It is all about personality. People in New Hampshire 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 New Hampshire 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 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 New Hampshire choose 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 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 old fashioned route in New Hampshire said you needed only a couple of turntables with a mixer, plus speakers. Currently, 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 blending tracks directly from your laptop or your iPhone using an all-in-one DJ controller.
Alternatively you prefer 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 comfortable, you can try mixing digitally on your computer 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!
While you already have a computer, this is the cheapest way to become a DJ in NH 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 established DJs in New Hampshire start by making some mixtapes and distribute them 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.
Promoters in New Hampshire 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 social media to upload mixes, do live DJ shows, post videos of your gigs, and promote yourself all around New Hampshire.
Have you considered trying out as New Hampshire 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 New Hampshire?
All operations in New Hampshire carries risks of unforeseen things, and so needs several basic 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 New Hampshire are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is required 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 new hampshire 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 containers 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 speakers were placed carelessly, and sue for the damage or injury.
You could be held responsible for the damage and you be forced have to cough-up large amounts.
One worry for mobile DJs in New Hampshire 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.
The same goes since there is the instance of improper electrical grounding starting a fire.
DJ General liability insurance in New Hampshire can cover your for all these conceivable claims. Normally, start up 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 new hampshire
Think about where you are contracted as the DJ for a dance night for a big employer, and a mishap stops you from showing up, or your equipment malfunctions and the whole event has to be cancelled.
In such a case the customer could claim the expected revenue from the event, and damages for loss of reputation and other such losses.
If a court decides against you, you will have to find the money from your own bank.
New Hampshire 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 New Hampshire 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 New Hampshire DJ business could stop 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 New Hampshire have to take their work gear to where it is needed, like function halls, sports clubs and other places.
Even if it fits into your private car, it’s vital to know that in New Hampshire 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 New Hampshire so that you are fully covered in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Some insurance companies in New Hampshire 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, when they are not working full-time.
You will save DJ insurance in NH 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 fortnight starting on the stated date.
If you are a casual home party DJ who works in new hampshire 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 need to take out all of the same sorts of professional liability insurance to protect yourself from the possible claims.
The great effect for you is that you do not end up wasting money paying yearly premiums covering times when you are not requiring full-time DJ equipment insurance cover.