Texas DJ Insurance – TX – cost and types of policies
This is the ultimate introduction for existing or start-up DJs in Texas – (TX) 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 Texas.
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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 danced to the DJ at the favorite club in Texas, 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 thirty years ago, all you would have wanted was a few turntables and a basic mixer.
But DJing in Texas has changed since then. You may still choose to use a turntable, but in a whole different way.
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In addition to turntables, DJs in Texas 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 attention to what will happen if the gear is lost?
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 decide what kind of, and how much, insurance you need.
In the entertainment world in TX, many of the dives 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 Texas, 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 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 kinds of mobile DJinsurance we talk about below.
DJing is an endless learning curve and you need 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 mixing your own genre of music. When people in Texas 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 are seen as a stage performer who gets the audience to enjoy watching you put on a show.
It is all about personality. People in Texas 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 Texas is often called a house party DJ, because mostly the venues are private parties.
Whatever, you need to choose the right gear, because mobility and easy storage are essential.
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 Texas 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 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 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 old fashioned route in Texas said you needed only a couple of turntables with a mixer, plus speakers. Lately, 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 prefer 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 comfortable, you can try mixing digitally on your computer using commercial software. You could become a top-notch DJ immediately after you download the correct program to your laptop!
There are even services available for free that could get you mixing immediately!
While you already have a laptop, this is the cheapest way to become a DJ in TX 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 well known DJs in Texas begin by making some mixtapes and hand them out to friends and club owners.
The mixes my be heard by others on YouTube and elsewhere online. Ask for feedback, because it’s important and will let you know if you’re ready for professional work.
Managers in Texas will usually ask you to preview before they risk letting you play live. Be ready for this by preparing your stuff at its best.
Use Twitter to upload mixes, do live DJ shows, post videos of your gigs, and promote yourself all around Texas.
Have you tries trying out as a Texas radio DJ, or digital radio is another route.
You will have the option to mix and present from home maybe 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 Texas?
All operations in Texas carries risks of unplanned things, and so needs several essential 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 Texas 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 a texas court can rule that you are liable.
For DJs, some of the most common examples are trips and falls because you have many cords as well as containers in the venue where the event is happening, and people are jumping 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 boxes were placed dangerously, 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 Texas 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.
As well there is the problem of improper electrical connections starting a fire.
DJ General liability insurance in Texas can cover your for all these potential 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 texas
Think about where you are contracted as the DJ for a dance night for a large employer, and an accident stops you from showing up, or your mixer malfunctions and the whole event has to be cancelled.
Now the customer could sue for 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 pay out the money from your own bank.
A Texas disk jockey’s most vital 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 Texas is vital.
It represents 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 Texas DJ business could halt without the right equipment, so you are not only losing the value of the assets, but also future earning.
Commercial Vehicle insurance
Most mobile DJs in Texas have to take their work gear to where it is needed, like function halls, sports clubs and other venues.
Suppose it fits into your private car, it’s important to know that in Texas 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 better off when you take out a commercial vehicle insurance policy in Texas 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 Texas 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 pay less DJ insurance in TX 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 specified date.
If you are a casual mobile DJ who works in texas on birthdays 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 types of public liability insurance to protect yourself from the possible claims.
The great effect for you is that you don’t finish wasting money paying full premiums covering times when you are not requiring full-time DJ equipment insurance cover.