Oklahoma DJ Insurance – OK – cost and types of policies
This is the ultimate guide for existing or start-up DJs in Oklahoma – (OK) that contains everything you will need to know about DJ insurance for your business.
We will also explain some of the different steps you must take to turn your dream of making money from DJing into a reality.
So you’ve selected to become a DJ in Oklahoma.
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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 danced to the DJ at the favorite club in Oklahoma, 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 thirty years ago, all you would have wanted was a couple of turntables and a basic mixer.
But DJing in Oklahoma 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 Oklahoma now want CD players, multichannel controllers and digital software.
This means you need dedicated 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 vandalized?
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 resolve what kind of, and how much, insurance you need.
In the entertainment world in OK, many of the spots 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 Oklahoma, 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 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 types of mobile DJinsurance we talk about below.
DJing is a huge 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. Once people in Oklahoma get to know you for your music you can 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 Oklahoma 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 Oklahoma 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 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 Oklahoma 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 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 old fashioned route in Oklahoma said you needed only a pair of turntables with a mixer, plus speakers. Currently, 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.
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 competent, you can try mixing digitally on your tablet using commercial software. You could become a top-notch DJ today after you download the correct program to your laptop!
There are even programs available for free that could get you mixing immediately!
As long as you already have a device, this is the cheapest way to become a DJ in OK 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 well known DJs in Oklahoma begin by making some mixtapes and give them to friends and club owners.
The mixes my be heard by others on YouTube and elsewhere online. Get feedback, because it’s important and will let you know if you’re ready for professional work.
Club owners in Oklahoma will usually ask you to audition before they risk letting you play live. Be ready for this by preparing your stuff at its best.
Use Twitter to upload mixes, do live DJ shows, post photos of your gigs, and promote yourself all around Oklahoma.
Have you considered trying out as Oklahoma radio DJ, or digital radio is another route.
You will retain 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 Oklahoma?
All operations in Oklahoma carries risks of unplanned 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 Oklahoma are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is necessary 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 oklahoma court can judge that you are liable.
For DJs, some of the most frequent 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 someone before, during or after an event of which you are the DJ has such a fall, they may claim that your cords or containers were placed improperly, 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 possibility for mobile DJs in Oklahoma 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 wiring starting a fire.
DJ General liability insurance in Oklahoma 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 oklahoma
Imagine where you are hired as the DJ for a dance night for an important employer, and an accident stops you from showing up, or your mixer malfunctions and the whole event has to be cancelled.
Now 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.
Oklahoma 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 Oklahoma 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 Oklahoma 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 Oklahoma must take their work gear to where it is needed, like function halls, sports clubs and other spots.
Suppose it fits into your private car, it’s important to know that in Oklahoma 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 better off when you take out a commercial vehicle insurance policy in Oklahoma so that you are fully protected in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Some insurance companies in Oklahoma 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 reduce DJ insurance in OK 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 fortnight starting on the nominated date.
If you are a casual home party DJ who works in oklahoma 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 should take out all of the same types 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.