Oregon DJ Insurance – OR – cost and types of policies
This is the ultimate guide for existing or start-up DJs in Oregon – (OR) 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 chosen to become a DJ in Oregon.
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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 watched the DJ at the favorite club in Oregon, 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 couple of turntables and a basic mixer.
But DJing in Oregon 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 Oregon 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 attention to what will happen if the gear is stolen?
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 OR, 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 Oregon, 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 should 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 mixing your own genre of music. As soon as people in Oregon get to know you for your music you will show off your work and you’ll end up getting gigs.
Become better at crowd interaction so that you are as a stage performer who gets the crowd to enjoy watching you put on a show.
It is all about presentation. People in Oregon 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 Oregon is often called a house party DJ, because mostly the venues are private parties.
Whatever, you need to buy the right gear, because mobility and easy storage are key factors.
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 Oregon opt for a slightly more expensive option which is an all-in-one DJ system that operates off a portable 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 little 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 original route in Oregon 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 modern CD players or CD decks.
If you decide 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 decide to go purely digital, because records are super expensive source and you won’t need to be lugging around heavy bags to your gigs.
If you are trained, you can try mixing digitally on your tablet using commercial software. You could become a top-notch DJ at once after you download the correct program to your laptop!
There are even softwares available for free that could get you mixing immediately!
As long as you already have a computer, this is the cheapest way to become a DJ in OR 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 Oregon start by making some mixtapes and distribute them to friends and club owners.
The mixes my be heard by others on Facebook and elsewhere online. Get feedback, because it’s important and will let you know if you’re ready for professional work.
Promoters in Oregon will usually ask you to audition before they risk letting you play live. Be ready for this by having your stuff at its best.
Use Facebook to upload mixes, do live DJ shows, post pictures of your gigs, and promote yourself all around Oregon.
Have you tries trying out as Oregon radio DJ, or subscriber 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 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 Oregon?
All operations in Oregon 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 essential kinds of basic DJ business insurance in Oregon 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 will be sued for damages and oregon court can judge 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 dancing 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 containers were placed dangerously, 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 possibility for mobile DJs in Oregon is the chance of fires caused by hot lighting positioned around the venue. It can fall or start a fire if something inflammable comes into contact.
The same goes since there is the chance of improper electrical grounding starting a fire.
DJ General liability insurance in Oregon can cover your for all these potential 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 oregon
Imagine where you are contracted as the DJ for a dance night for an important 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.
In case a court decides against you, you will have to fund the money from your own bank.
Oregon disk jockey’s most important 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 Oregon 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 Oregon 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 Oregon need to 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 essential to know that in Oregon your ordinary 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 more covered when you take out a commercial vehicle insurance policy in Oregon so that you are fully covered in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Several insurance companies in Oregon 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 OR 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 mobile DJ who works in oregon on bar mitzvahs 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 must take out all of the same types of general liability insurance to protect yourself from the possible claims.
The positive effect for you is that you are not wasting money paying annual premiums covering times when you are not looking for full-time DJ equipment insurance cover.