Utah DJ Insurance – UT – cost and types of policies
This is the ultimate guide for existing or start-up DJs in Utah – (UT) 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 need to take to turn your dream of making money from DJing into a reality.
So you’ve chosen to become a DJ in Utah.
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 Utah, 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 Utah has changed since then. You may still choose to use a turntable, but in a completely different way.
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On top of turntables, DJs in Utah now want CD players, multichannel controllers and digital software.
This means you need expensive 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 thought 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 UT, many of the clubs 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 Utah, 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 types of mobile DJinsurance we talk about below.
DJing is a huge 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 issuing your own genre of music. As soon as people in Utah get to know you for your music you will show off your work and you’ll end up getting gigs.
Become better at crowd interaction so that you are as a stage performer who gets the crowd to enjoy watching you put on a show.
It is all about personality. People in Utah 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 Utah is sometimes 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 very important.
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 Utah 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 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 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 Utah 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 decide to mix tracks directly from your laptop or computer using this traditional set-up, try fuzing tracks directly from your laptop or your iPhone using an all-in-one DJ controller.
Maybe you want 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 right program to your laptop!
There are even programs 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 UT 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 Utah 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 judge if you’re ready for professional work.
Promoters in Utah will usually ask you to demonstrate 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 Utah.
Have you considered trying out as Utah radio DJ, or internet radio is another route.
You will retain 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 Utah?
All businesses in Utah 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 essential kinds of basic DJ business insurance in Utah are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is important 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 utah court can decide that you are liable.
For DJs, some of the most usual examples are trips and falls because you have many cables as well as boxes 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 wires or containers were placed dangerously, and sue for the damage or injury.
You could be held responsible for the damage and you may have to cough-up large amounts.
One worry for mobile DJs in Utah is the likelihood of fires caused by hot lighting positioned around the venue. It could fall or start a fire if something inflammable comes into contact.
Also there is the instance of improper electrical wiring starting a fire.
DJ General liability insurance in Utah 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 utah
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 gear malfunctions and the whole event has to be cancelled.
Now the customer could claim the expected revenue from the event, as well as 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.
Utah disk jockey’s most essential 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 Utah 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 Utah 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 Utah 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 Utah 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 safer when you take out a commercial vehicle insurance policy in Utah so that you are fully insured in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Some insurance companies in Utah 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, in case they are not working full-time.
You will pay less DJ insurance in UT 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 home party DJ who works in utah on anniversaries 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 must take out all of the same kinds of public liability insurance to protect yourself from the possible claims.
The positive effect for you is that you are not wasting money paying annual premiums covering times when you are not looking for full-time DJ equipment insurance cover.