New York DJ Insurance – NYC – cost and types of policies
This is the ultimate introduction for existing or start-up DJs in New York – (NYC) that contains everything you will need to know about DJ insurance for your business.
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We will also explain all 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 York.
Maybe you came to this decision after you listened to someone talk about a great DJ they saw last night, or you watched the DJ at the favorite club in New York, 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 wanted was a set of turntables and a basic mixer.
But DJing in New York has changed since then. You may still choose to use a turntable, but in a totally different way.
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In addition to turntables, DJs in New York now want CD players, multichannel controllers and digital software.
This means you need expensive equipment like effects units, drum machines, and other hardware.
Your initial investment in the gear may be heavy, but have you also given any consideration to what will happen if the gear is vandalized?
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 resolve what kind of, and how much, insurance you need.
In the entertainment world in NYC, many of the clubs 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 popular DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In New York, there is also a lot of demand 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 an endless learning curve and you need 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 issuing your own genre of music. When people in New York 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 are seen as a stage performer who gets the audience to enjoy watching you put on a show.
It is all about presentation. People in New York 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 New York 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 very important.
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 York choose 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 slight amount 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 New York said you needed only some turntables with a mixer, plus speakers. Nowadays, you maybe want to keep the traditional feel but get yourself some up-to-date CD players or CD decks.
If you prefer 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 the most expensive source and you won’t need to be lugging around heavy bags to your performances.
If you are comfortable, you can try mixing digitally on your laptop using commercial software. You could become a top-notch DJ immediately after you download the right program to your laptop!
There are even programs available for free that could get you mixing right away!
Assuming you already have a device, this is the cheapest way to become a DJ in NYC 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 York get going by making some mixtapes and distribute them to friends and club owners.
The mixes can be heard by others on Facebook and elsewhere online. Request feedback, because it’s important and will let you judge if you’re ready for professional work.
Managers in New York will usually ask you to demonstrate 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 videos of your gigs, and promote yourself all around New York.
Have you considered trying out as New York radio DJ, or internet 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 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 York?
All operations in New York 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 vital kinds of basic DJ business insurance in New York 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 could(may be sued for damages and new york court can decide that you are liable.
For DJs, some of the most frequent examples are trips and falls because you have many cords as well as containers 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 speakers were placed carelessly, and sue for the damage or injury.
You could be held responsible for the consequences and you could have to cough-up large amounts.
One worry for mobile DJs in New York is the chance 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 chance of improper electrical connections starting a fire.
DJ General liability insurance in New York can cover your for all these possible claims. Normally, small 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 new york
Think about where you are contracted as the DJ for a dance night for a large employer, and something stops you from showing up, or your gear 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 fund the money from your own bank.
New York disk jockey’s most essential asset is the apparatus 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 York 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 York 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 New York must take their work gear to where it is needed, like function halls, sports clubs and other places.
Suppose it fits into your private car, it’s essential to know that in New York your regular 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 York so that you are fully insured in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Some insurance companies in New York 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 NYC 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 specified date.
If you are a casual home party DJ who works in new york 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 need to take out all of the same sorts of general liability insurance to protect yourself from the possible claims.
The great effect for you is that you are not wasting money paying full premiums covering times when you are not requiring full-time DJ equipment insurance cover.