Wyoming DJ Insurance – WY – cost and types of policies
This is the ultimate introduction for existing or start-up DJs in Wyoming – (WY) 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 should take to turn your dream of making money from DJing into a reality.
So you’ve decided to become a DJ in Wyoming.
Maybe you came to this decision after you listened to someone talk about a great DJ they saw last night, or you saw the DJ at the favorite club in Wyoming, 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 required was a couple of turntables and a basic mixer.
But DJing in Wyoming has changed since then. You may still choose to use a turntable, but in a completely different way.
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As well as turntables, DJs in Wyoming now want CD players, multichannel controllers and digital software.
This means you need dedicated equipment like effects units, drum machines, and other hardware.
Your initial investment in the gear may be heavy, but have you also given any attention to what will happen if the gear is vandalized?
For this possibility, you should seriously be thinking about taking out enough 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 WY, 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 popular DJ at a club is what is drawing in it’s customers, so you are very valuable to them.
In Wyoming, 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 types of mobile DJinsurance we talk about below.
DJing is an endless 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. When people in Wyoming 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 Wyoming 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 Wyoming is maybe 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 Wyoming choose a slightly more expensive option which is an all-in-one DJ system that operates off a portable 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 bit 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 traditional route in Wyoming said you needed only some turntables with a mixer, plus speakers. Currently, 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 mixing tracks directly from your laptop or your iPhone using an all-in-one DJ controller.
Or else 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 trained, 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 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 WY 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 established DJs in Wyoming start by making some mixtapes and give them to friends and club owners.
The mixes are also heard by others on Facebook and elsewhere online. Request feedback, because it’s important and will let you decide if you’re ready for professional work.
Promoters in Wyoming will usually ask you to demonstrate before they risk letting you play live. Be ready for this by preparing your stuff at its best.
Use Facebook to upload mixes, do live DJ shows, post pictures of your gigs, and promote yourself all around Wyoming.
Have you considered trying out as Wyoming 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 useful 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 Wyoming?
All operations in Wyoming carries risks of unexpected things, and so needs several basic kinds of insurance, to protect you in case something unexpected happens while you are working.
The most important kinds of basic DJ business insurance in Wyoming are:
General liability insurance / Public liability insurance
Public liability insurance for DJs is important 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 wyoming court can decide 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 cords or containers were placed improperly, 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 worry for mobile DJs in Wyoming is the chance 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 grounding starting a fire.
DJ General liability insurance in Wyoming can cover your for all these possible claims. Normally, start up DJs take around $1 million protection 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 wyoming
Consider where you are contracted as the DJ for a dance night for a big employer, and something stops you from showing up, or your gear malfunctions and the whole event has to be cancelled.
In this event the customer could sue for the expected revenue from the event, and damages for loss of reputation and other such losses.
In case a court decides against you, you will have to find the money from your own bank.
Wyoming disk jockey’s most important 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 Wyoming is vital.
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 Wyoming 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 Wyoming have to take their work gear to where it is needed, like function halls, sports clubs and other spots.
Suppose it fits into your private car, it’s essential to know that in Wyoming 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 Wyoming 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 Wyoming have begun to offer 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 WY 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 week starting on the nominated date.
If you are a casual mobile DJ who works in wyoming 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 are not wasting money paying annual premiums covering times when you are not requiring full-time DJ equipment insurance cover.