Rhode Island DJ Insurance – RI – cost and types of policies
This is the ultimate presentation for existing or start-up DJs in Rhode Island – (RI) 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 must take to turn your dream of making money from DJing into a reality.
So you’ve chosen to become a DJ in Rhode Island.
Maybe you came to this decision after you listened to someone talk about a great DJ they saw last night, or you saw the DJ at the favorite club in Rhode Island, 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 needed was a couple of turntables and a basic mixer.
But DJing in Rhode Island has changed since then. You may still choose to use a turntable, but in a totally different way.
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On top of turntables, DJs in Rhode Island now want CD players, multichannel controllers and digital software.
This means you need special equipment like effects units, drum machines, and other hardware.
Your starting investment in the gear may be heavy, but have you also given any thought 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 RI, 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 Rhode Island, 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 a huge 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 Rhode Island get to know you for your music you should 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 Rhode Island 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 Rhode Island is often 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 Rhode Island 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 bit 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 traditional route in Rhode Island said you needed only some turntables with a mixer, plus speakers. Currently, you maybe want to keep the traditional feel but get yourself some current CD players or CD decks.
If you prefer to mix tracks directly from your laptop or computer using this traditional set-up, try mixing 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 super 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 computer 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!
Assuming you already have a laptop, this is the cheapest way to become a DJ in RI 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 popular DJs in Rhode Island 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 judge if you’re ready for professional work.
Managers in Rhode Island will usually ask you to audition before they risk letting you play live. Be ready for this by practicing 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 Rhode Island.
Have you considered trying out as Rhode Island radio DJ, or subscriber 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 great 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 Rhode Island?
All businesses in Rhode Island carries risks of unexpected 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 Rhode Island are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is necessary in case 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 rhode island court can judge that you are liable.
For DJs, some of the most frequent 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 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 dangerously, 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 Rhode Island is the possibility 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 Rhode Island can cover your for all these possible claims. Normally, new DJs take around $1 million cover 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 rhode island
Consider where you are hired 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.
Now the customer could claim the expected revenue from the event, plus damages for loss of reputation and other such losses.
When a court decides against you, you will have to pay out the money from your own bank.
Rhode Island 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 Rhode Island is essential.
It represents a big liability if you are renting or hiring the equipment, and so you must insure it against the inherent risks, such as theft, malicious damage, fire, water damage etc.
Your Rhode Island 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 Rhode Island 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 Rhode Island 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 Rhode Island so that you are fully insured in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Several insurance companies in Rhode Island 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 reduce DJ insurance in RI 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 stated date.
If you are a casual start-up DJ who works in rhode island 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 sorts of public 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 looking for full-time DJ equipment insurance cover.