North Carolina DJ Insurance – NC – cost and types of policies
This is the ultimate guide for existing or start-up DJs in North Carolina – (NC) 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 should take to turn your dream of making money from DJing into a reality.
So you’ve selected to become a DJ in North Carolina.
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 North Carolina, 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 few turntables and a basic mixer.
But DJing in North Carolina has changed since then. You may still choose to use a turntable, but in a totally different way.
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As well as turntables, DJs in North Carolina 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 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 determine what kind of, and how much, insurance you need.
In the entertainment world in NC, many of the spots 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 North Carolina, there is also a lot of demand for mobile DJs who move their services to temporary premises for a single or short-term engagement.
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 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 producing your own genre of music. Once people in North Carolina 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 become as a stage performer who gets the people to enjoy watching you put on a show.
It is all about vitality. People in North Carolina 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 North Carolina 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 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 North Carolina 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 original route in North Carolina 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 fuzing tracks directly from your laptop or your iPhone using an all-in-one DJ controller.
Maybe 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 shows.
If you are trained, you can try mixing digitally on your computer using commercial software. You could become a top-notch DJ at once 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 NC 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 established DJs in North Carolina start by making some mixtapes and distribute them to friends and club owners.
The mixes are also heard by others on Reddit and elsewhere online. Request feedback, because it’s important and will let you decide if you’re ready for professional work.
Managers in North Carolina will usually ask you to demonstrate before they risk letting you play live. Be ready for this by preparing your stuff at its best.
Use social media to upload mixes, do live DJ shows, post pictures of your gigs, and promote yourself all around North Carolina.
Have you though about trying out as North Carolina radio DJ, or subscriber radio is another route.
You will have 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 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 North Carolina?
Every business in North Carolina carries risks of unexpected 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 North Carolina 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 north carolina court can decide that you are liable.
For DJs, some of the most usual 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 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 wires or speakers were placed carelessly, 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 North Carolina is the likelihood 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 chance of improper electrical wiring starting a fire.
DJ General liability insurance in North Carolina can cover your for all these possible claims. Normally, new 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 north carolina
Consider 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 gear malfunctions and the whole event has to be cancelled.
In such a case the customer could claim the expected revenue from the event, as well as 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.
North Carolina 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 North Carolina is essential.
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 North Carolina 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 North Carolina have to 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 vital to know that in North Carolina your regular vehicle insurance will not cover the DJ equipment in the event of an accident, fire, theft or any other loss.
At the very 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 North Carolina 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 North Carolina 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, if they are not working full-time.
You will save DJ insurance in NC cost by having lower premiums while still having the same risk cover.
You purchase 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 north carolina on anniversaries 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 should take out all of the same kinds of professional liability insurance to protect yourself from the possible claims.
The positive effect for you is that you are not wasting money paying yearly premiums covering times when you are not needing full-time DJ equipment insurance cover.