New Mexico DJ Insurance – NM – cost and types of policies
This is the ultimate introduction for existing or start-up DJs in New Mexico – (NM) that contains everything you will need to know about DJ insurance for your business.
We will also explain some 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 New Mexico.
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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 New Mexico, 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 wanted was a set of turntables and a basic mixer.
But DJing in New Mexico has changed since then. You may still choose to use a turntable, but in a completely different way.
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In addition to turntables, DJs in New Mexico 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 consideration to what will happen if the gear is lost?
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 NM, 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 famous DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In New Mexico, 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 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 huge 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 issuing your own genre of music. As soon as people in New Mexico get to know you for your music you can show off your work and you’ll end up getting gigs.
Master crowd interaction so that you are seen as a stage performer who gets the crowd to enjoy watching you put on a show.
It is all about presentation. People in New Mexico go out to see their favorite DJ’s because of what they are doing, not because of their mixing skills.
What does a mobile DJ do?
A mobile DJ in New Mexico is maybe called a house party DJ, because mostly the venues are private parties.
Whatever, you need to select the right gear, because mobility and easy storage are essential.
Instead of individual components like turntables, mixers, records, CDs and all the other gear 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 Mexico select a slightly more expensive option which is an all-in-one DJ system that operates off a laptop 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 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 Mexico said you needed only a pair 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 want 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 prefer to go purely digital, because records are the most expensive source and you won’t need to be lugging around heavy bags to your shows.
If you are comfortable, you can try mixing digitally on your tablet using commercial software. You could become a top-notch DJ immediately after you download the best program to your laptop!
There are even softwares available for free that could get you mixing immediately!
Assuming you already have a device, this is the cheapest way to become a DJ in NM 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 established DJs in New Mexico get going 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 decide if you’re ready for professional work.
Club owners in New Mexico will usually ask you to preview 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 videos of your gigs, and promote yourself all around New Mexico.
Have you tries trying out as New Mexico radio DJ, or subscriber radio is another route.
You will retain 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 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 New Mexico?
All businesses in New Mexico carries risks of unforeseen things, and so needs several essential 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 New Mexico 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 new mexico court can judge 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 moving 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 boxes were placed carelessly, and sue for the damage or injury.
You could be held responsible for the injury and you could have to cough-up large amounts.
One problem for mobile DJs in New Mexico is the likelihood of fires caused by hot lighting positioned around the venue. It may fall or start a fire if something inflammable comes into contact.
Also there is the chance of improper electrical connections starting a fire.
DJ General liability insurance in New Mexico can cover your for all these potential claims. Normally, small 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 mexico
Think about where you are contracted as the DJ for a dance night for a large employer, and an accident stops you from showing up, or your gear malfunctions and the whole event has to be cancelled.
In such a case 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.
New Mexico disk jockey’s most vital asset is the equipment 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 Mexico is essential.
It is 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 Mexico 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 New Mexico must 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 important to know that in New Mexico your private vehicle insurance will not cover the DJ equipment in the event of an accident, fire, theft or any other loss.
Minimum 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 Mexico so that you are fully protected in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Several insurance companies in New Mexico 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, if they are not working full-time.
You will save DJ insurance in NM 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 mobile DJ who works in new mexico on anniversaries in homes, then you will have a schedule of bookings, so you can 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 good effect for you is that you are not wasting money paying annual premiums covering times when you are not requiring full-time DJ equipment insurance cover.