South Dakota DJ Insurance – SD – cost and types of policies
This is the ultimate presentation for existing or start-up DJs in South Dakota – (SD) that contains everything you will need to know about DJ insurance for your business.
We will also explain many of the different steps you need to take to turn your dream of making money from DJing into a reality.
So you’ve selected to become a DJ in South Dakota.
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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 South Dakota, 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 South Dakota has changed since then. You may still choose to use a turntable, but in a completely different way.
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In addition to turntables, DJs in South Dakota 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 thought to what will happen if the gear is vandalized?
For this possibility, you should seriously be thinking about taking out the right 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 SD, 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 well known DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In South Dakota, there is also a lot of demand for mobile DJs who move their services to temporary premises for a single or short-term performance.
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 perpetual learning curve and you should still be learning new tricks like crowd 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 South Dakota get to know you for your music you should show off your work and you’ll end up getting gigs.
Learn about crowd interaction so that you are seen as a stage performer who gets the crowd to enjoy watching you put on a show.
It is all about vitality. People in South Dakota 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 Dakota is sometimes 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 very important.
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 South Dakota 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 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 South Dakota said you needed only a couple of turntables with a mixer, plus speakers. Nowadays, you maybe want to keep the traditional feel but get yourself some modern CD players or CD decks.
If you want 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 the most expensive source and you won’t need to be lugging around heavy bags to your gigs.
If you are competent, you can try mixing digitally on your laptop using commercial software. You could become a top-notch DJ immediately after you download the best program to your laptop!
There are even softwares available for free that could get you mixing immediately!
While you already have a device, this is the cheapest way to become a DJ in SD 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 South Dakota 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.
Promoters in South Dakota will usually ask you to preview before they risk letting you play live. Be ready for this by having your stuff at its best.
Use Twitter to upload mixes, do live DJ shows, post videos of your gigs, and promote yourself all around South Dakota.
Have you tries trying out as South Dakota 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 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 Dakota?
All operations in South Dakota carries risks of unexpected things, and so needs several essential 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 South Dakota 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 south dakota court can judge that you are liable.
For DJs, some of the most common 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 moving all around the floor.
If some person before, during or after an event of which you are the DJ has such a fall, they may claim that your wires or boxes were placed improperly, and sue for the damage or injury.
You could be held responsible for the consequences and you be forced have to cough-up large amounts.
One problem for mobile DJs in South Dakota is the possibility of fires caused by hot lighting positioned around the venue. It can fall or start a fire if something inflammable comes into contact.
Also there is the instance of improper electrical grounding starting a fire.
DJ General liability insurance in South Dakota can cover your for all these potential claims. Normally, small 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 south dakota
Consider where you are engaged as the DJ for a dance night for a big employer, and a mishap stops you from showing up, or your equipment malfunctions and the whole event has to be cancelled.
Now the customer could demand the expected revenue from the event, as well as 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.
South Dakota 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 Dakota is important.
It becomes 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 Dakota 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 South Dakota need to take their work gear to where it is needed, like function halls, sports clubs and other venues.
Even if it fits into your private car, it’s essential to know that in South Dakota 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 better off when you take out a commercial vehicle insurance policy in South Dakota 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 Dakota 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 reduce DJ insurance in SD 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 week starting on the stated date.
If you are a casual start-up DJ who works in south dakota 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 need to take out all of the same types of public liability insurance to protect yourself from the possible claims.
The good effect for you is that you don’t finish wasting money paying yearly premiums covering times when you are not needing full-time DJ equipment insurance cover.