Washington DJ Insurance – D.C – cost and types of policies
This is the ultimate introduction for existing or start-up DJs in Washington – (D.C) that contains everything you will need to know about DJ insurance for your business.
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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 Washington.
Maybe you came to this decision after you listened to someone talk about a fabulous DJ they saw last night, or you danced to the DJ at the favorite club in Washington, 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 twenty years ago, all you would have required was a few turntables and a basic mixer.
But DJing in Washington 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 Washington 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 thought to what will happen if the gear is lost?
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 D.C, 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 famous DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Washington, there is also a lot of need for mobile DJs who move their services to temporary premises for a single or short-term performance.
It is essential 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 an endless learning curve and you need still be learning new tricks like listener interaction, leading you on to better things.
Once you have good DJ skills, try issuing your own genre of music. As soon as people in Washington get to know you for your music you will show off your work and you’ll end up getting gigs.
Master crowd interaction so that you are as a stage performer who gets the audience to enjoy watching you put on a show.
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It is all about personality. People in Washington 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 Washington 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 Washington opt for 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 Washington said you needed only some turntables with a mixer, plus speakers. Lately, you maybe want to keep the traditional feel but get yourself some current 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 prefer to go purely digital, because records are super expensive source and you won’t need to be lugging around heavy bags to your shows.
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 correct program to your laptop!
There are even programs available for free that could get you mixing today!
While you already have a computer, this is the cheapest way to become a DJ in D.C 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 popular DJs in Washington get going by making some mixtapes and distribute them to friends and club owners.
The mixes can be heard by others on YouTube and elsewhere online. Get feedback, because it’s important and will let you know if you’re ready for professional work.
Promoters in Washington 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 pictures of your gigs, and promote yourself all around Washington.
Have you though about trying out as Washington radio DJ, or digital radio is another route.
You will retain 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 powerful 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 Washington?
All operations in Washington carries risks of unforeseen things, and so needs several fundamental 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 Washington 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 washington 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 boxes in the venue where the event is happening, and people are jumping 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 carelessly, and sue for the damage or injury.
You could be held responsible for the consequences and you may have to cough-up large amounts.
One possibility for mobile DJs in Washington is the possibility 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 connections starting a fire.
DJ General liability insurance in Washington can cover your for all these conceivable claims. Normally, start up 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 washington
Think about where you are engaged as the DJ for a dance night for an important employer, and a mishap stops you from showing up, or your gear malfunctions and the whole event has to be cancelled.
In this event the customer could demand 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 pay out the money from your own bank.
Washington disk jockey’s most essential 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 Washington is important.
It represents 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 Washington DJ business could stop 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 Washington need to take their work gear to where it is needed, like function halls, sports clubs and other venues.
Although it fits into your private car, it’s important to know that in Washington your regular vehicle insurance will not cover the DJ equipment in the event of an accident, fire, theft or any other loss.
At 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 Washington so that you are fully protected in case of a claim.
Can DJs get temporary insurance if they are not working full-time?
Some insurance companies in Washington 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 D.C cost by having lower premiums while still having the same risk cover.
You take out the cover for a specific period, like a day, or for a month starting on the nominated date.
If you are a casual mobile DJ who works in washington 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 must take out all of the same kinds of professional liability insurance to protect yourself from the possible claims.
The great effect for you is that you don’t finish wasting money paying yearly premiums covering times when you are not looking for full-time DJ equipment insurance cover.