Tennessee DJ Insurance – TN – cost and types of policies
This is the ultimate guide for existing or start-up DJs in Tennessee – (TN) that contains everything you will need to know about DJ insurance for your business.
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 decided to become a DJ in Tennessee.
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Maybe you came to this decision after you listened to someone talk about a great DJ they saw last night, or you watched the DJ at the favorite club in Tennessee, 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 Tennessee 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 Tennessee now want CD players, multichannel controllers and digital software.
This means you need dedicated equipment like effects units, drum machines, and other hardware.
Your starting 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 adequate 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 TN, 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 Tennessee, there is also a lot of requirement for mobile DJs who move their services to temporary premises for a single or short-term engagement.
It is vital 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 perpetual learning curve and you should still be learning new tricks like listener 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 Tennessee get to know you for your music you can show off your work and you’ll end up getting gigs.
Master crowd interaction so that you are seen as a stage performer who gets the people to enjoy watching you put on a show.
It is all about vitality. People in Tennessee 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 Tennessee 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 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 Tennessee choose a slightly more expensive option which is an all-in-one DJ system that operates off a tablet 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 old fashioned route in Tennessee said you needed only a pair of turntables with a mixer, plus speakers. Nowadays, 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 mixing 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 very 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 tablet using commercial software. You could become a top-notch DJ today after you download the best program to your laptop!
There are even services available for free that could get you mixing today!
As long as you already have a computer, this is the cheapest way to become a DJ in TN especially for mobile DJs that have to travel a lot and can’t take hardware with them.
How do you get DJ gigs?
Most of the well known DJs in Tennessee begin 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 judge if you’re ready for professional work.
Promoters in Tennessee will usually ask you to demonstrate 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 photos of your gigs, and promote yourself all around Tennessee.
Have you though about trying out as Tennessee 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 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 Tennessee?
All operations in Tennessee 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 vital kinds of basic DJ business insurance in Tennessee 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 will be sued for damages and tennessee court can judge that you are liable.
For DJs, some of the most usual 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 some person before, during or after an event of which you are the DJ has such a fall, they may claim that your cords or boxes were placed dangerously, and sue for the damage or injury.
You could be held responsible for the damage and you could have to cough-up large amounts.
One problem for mobile DJs in Tennessee is the likelihood 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 Tennessee can cover your for all these potential claims. Normally, new 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 tennessee
Imagine 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 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.
If a court decides against you, you will have to fund the money from your own bank.
Tennessee disk jockey’s most important 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 Tennessee is important.
It becomes 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 Tennessee 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 Tennessee need to take their work gear to where it is needed, like function halls, sports clubs and other places.
Even if it fits into your private car, it’s essential to know that in Tennessee your private 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 Tennessee so that you are fully protected in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Many insurance companies in Tennessee 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 reduce DJ insurance in TN 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 start-up DJ who works in tennessee 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 good effect for you is that you do not end up wasting money paying annual premiums covering times when you are not needing full-time DJ equipment insurance cover.