South Carolina DJ Insurance – SC – cost and types of policies
This is the ultimate guide for existing or start-up DJs in South Carolina – (SC) that contains everything you will need to know about DJ insurance for your business.
We will also explain many 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 South Carolina.
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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 saw the DJ at the favorite club in South 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 fifteen years ago, all you would have needed was a few turntables and a basic mixer.
But DJing in South Carolina 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 South Carolina 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 attention to what will happen if the gear is vandalized?
For this possibility, you should seriously be thinking about taking out adequate 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 SC, many of the clubs 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 well known DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In South Carolina, there is also a lot of need for mobile DJs who move their services to temporary premises for a single or short-term engagement.
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 sorts 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 producing your own genre of music. When people in South Carolina 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 are as a stage performer who gets the people to enjoy watching you put on a show.
It is all about personality. People in South Carolina 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 South Carolina 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 paraphernalia 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 South Carolina select a slightly more expensive option which is an all-in-one DJ system that operates off a tablet 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 little 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 traditional route in South Carolina 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 decide 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.
Or else you want 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 comfortable, you can try mixing digitally on your laptop using commercial software. You could become a top-notch DJ immediately after you download the correct program to your laptop!
There are even programs available for free that could get you mixing today!
As long as you already have a laptop, this is the cheapest way to become a DJ in SC 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 well known DJs in South Carolina get going by making some mixtapes and give them to friends and club owners.
The mixes can be heard by others on Facebook and elsewhere online. Ask for feedback, because it’s important and will let you decide if you’re ready for professional work.
Club owners in South Carolina 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 social media to upload mixes, do live DJ shows, post pictures of your gigs, and promote yourself all around South Carolina.
Have you tries trying out as South Carolina radio DJ, or digital radio is another route.
You will keep 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 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 South Carolina?
Every business in South Carolina 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 important kinds of basic DJ business insurance in South Carolina are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is required 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 will be sued for damages and south carolina 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 anyone before, during or after an event of which you are the DJ has such a fall, they may claim that your cables or containers were placed improperly, and sue for the damage or injury.
You could be held responsible for the injury and you be forced have to cough-up large amounts.
One worry for mobile DJs in South Carolina 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 instance of improper electrical connections starting a fire.
DJ General liability insurance in South Carolina 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 south carolina
Consider where you are hired as the DJ for a dance night for a large employer, and a mishap stops you from showing up, or your equipment 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.
When a court decides against you, you will have to fund the money from your own bank.
South Carolina 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 South Carolina 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 South 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 South Carolina have to take their work gear to where it is needed, like function halls, sports clubs and other spots.
Even if it fits into your private car, it’s important to know that in South 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 more covered when you take out a commercial vehicle insurance policy in South Carolina 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 South 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, when they are not working full-time.
You will save DJ insurance in SC 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 month starting on the stated date.
If you are a casual home party DJ who works in south carolina on bar mitzvahs 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 need to take out all of the same sorts of professional liability insurance to protect yourself from the possible claims.
The great effect for you is that you are not wasting money paying yearly premiums covering times when you are not looking for full-time DJ equipment insurance cover.