Mobiledjnetwork DJ Insurance If you gig, get it, even if you do a free party!

0:00 A matter of opening my emails and seeing my new insurance policy come

Alright guys, it's Jonathan here, DJ Tutor, and I'm going to talk to you about something that is very important. Now first of all, I have to stress, I'm not being paid or anything for this particular video, it was just... A matter of opening my emails and seeing my new insurance policy come up. And then it made me think, right, do I want to spend a great deal of money or do I want to do something that I've been meaning to do for ages? But of course, family commitments come in, you forget about it, before you know it, it's at the bottom of the list. But it was at the top of the list today, so I did it there and then. I contacted a company who do very good public liability for mobile DJs. On the phone in front of me, what's it called again? Talk Time? Is it? FaceTime, that's right. I am chatting to if you'd like to explain who you are, sir. Fantastic. Right, so there you go ladies and gentlemen. This video is about public liability for DJs, for entertainers. Now first and foremost, this liability or public liability insurance will cover people in the United Kingdom, Ireland, Scotland,

2:07 You've got an icon, apply now

Wales, and it's the whole of Ireland now, is that right sir? Yes, we also cover... Great, OK, right. What I'm going to do now, I'm going to point you in the direction, you sir, of the screen now, so we're looking at the web. Can you see that clearly? Yep, I can. Right, OK, we're going to go over to the next camera now. So when you do apply, if you want to of course, you will go to this website, which is mobildjnetwork.co.uk. This is the first page you'll get to, and you'll notice... You've got an icon, apply now. Of course you do have a lot of information there to begin with, but if you want to then even let's say just inquire, what's the best thing for them to do for example? If they're just interested in maybe finding out what Mobile DJ Network can do for them. Okay, great, right, what we'll do, we'll go back to, over to camera number two. Alright, so that's the first page, that's the home page.

You'll notice as well the price, which I think is very reasonable, £29.99. So I'm going to click, well in fact I'm not going to click apply now because I want to keep that page. If not if, when you click apply now, you will get to this second page. Now it's very straightforward to fill in. Show business name. So before you put your show or business name in, make sure that's the one you want because that will be the one that will go down in your insurance policy. The next one here is your name. That is your proper name. So for example, mine would be Jonathan, yours would be Sid Smith, not Smith, sorry, it would be Sid, Sandra, Yvette, never know, she might take up a policy. Of course, the password that you'll need to enter into the site if ever you need to take any changes, amend any of the information you put in. Retype your password, your name again and your address. Now, you'll notice as well, next to your name, address, town, country, postcode, there's small little stars. Now, they're there for a reason. They're there because you have to fill in that box. Is that right, sir? Yeah. Okay.

5:31 Next camera, scroll down

Alright, yeah, so what I'll do now is I will just scroll down, we'll go to the next camera, scroll down. Now there's little bits of information here, contact email, PayPal email. Now earlier on this morning I paid via PayPal. Very simple, straightforward, bang it's done. You haven't got to send checks, you haven't got to phone your bank, nothing like that. That is time consuming and does people's heads in. I do like PayPal because you just click an icon, bang it's done. Your DJ services. So if we have a look at here, for example, you are a mobile DJ. Perhaps you do karaoke. Maybe you're a wedding DJ. You also offer maybe uplighting. You offer online music request systems. We can record your event. There's so many other icons you can sort of fill in here to not only help promote you but explain to future clients what you do, what, you know, your other avenues, let's say, of your business.

6:53 Who you are, you can explain

Now in here you've got description. I'm just going to move the icon up slightly so we can see it on the other camera. There we go. Now you'll notice here, here you can add a description of your show and options you offer. These can be added or changed at any time or any later date. Now again, because you've got a username and password, you can at any time log into your account and amend, change the information you give. So for example, you can give the name... of your show, you can explain who you are, you can explain what your show is about, what you do etc. Now your operating area, now for some reason I haven't got that on my PC but what you can do is you can find your operating area on there, there should be a map on there but there isn't on this PC and that will explain to people the area where you will work. Is that right? It's crap!

9:27 Those to us, please

Okay, great. And also, the more information you put in here, the more chance there is of Google search engines finding you. Is that right? Great. Yeah, great. Okay, well, here we go. Yes. Now, we'll go back to the other camera. I'm just going to move the icon down a bit so we've got that centre now. So the next one is your company logo. Choose your file. The file hopefully will be on your PC. If it isn't... Then, make a file. Make some sort of picture design. Put that on. Your main picture. Now, that can be entirely up to you. That could be a picture of your kit, a picture of a light show, maybe even a picture of a wedding you did with the bride and groom smiling at you. Now, meta keywords and meta description. Can you explain those to us, please? Great. And very quickly, that was...

11:38 For us now, and you can

It's because the phone just went off very slightly, that was the meta description, so carry on. Great. Okay, a couple more points now if we have a look back at the bottom of the screen here. The areas where you're from, so East Anglia, Midlands, London, etc. So what you'll have to do is you will click on one of those icons and then to the right you've got some arrows. So the idea is once you've highlighted, for example, I'm in Wales, so I click on Wales and then I'll click on the arrows facing that box and then what will happen then? Yeah. Great. OK. OK, so we've got now another page here which are member benefits. So what I'd like you to explain for us now, and you can see that screen,

13:33 For us please the difference between

Putting your details in, because you have to do that by law, and then paying for the public liability. And once they've done that, then they will get, you will get, sorry, 10 million public liability, 10 million employers liability, 10 million products liability, dry hire cover, legal costs cover, easy application. All right, yeah, there's easy payments, no age restriction, instant cover, direct client inquiries, equipment insurance discount, web hosting, etc. The main ones, important ones, before we have this video drag on, if you'd just like to explain for us please the difference between public liability, employment's liability and product's liability.

16:30 It was like 100% true

Alright, so lastly, I want to talk about the public liability in general. I'll give my opinion first and then if you'd like to finish off the video. A lot of people seem to think that you only need public liability if you are a professional DJ, you pay tax etc., you've gone through all the correct channels to become self-employed. Well, that's actually incorrect. Let's say for example you're a bedroom DJ or you're just someone who has decided to buy a very cheap Newmark Mixtrack Pro 2, you've got a couple of cheap speakers and a friend of yours has invited you around to their house to do a free party. Now it may be free, you may not class yourself as a professional DJ but I have been informed this morning and I didn't actually, I sort of thought about it but I didn't know it was like...

Real. It was like 100% true. And it is true. Let's imagine you turn up with your Mixtrack Pro 2, your couple of dodgy speakers that have cost you 50 quid or whatever, and all of a sudden one of those speakers lands on someone. You are liable. That is the scary bit. You're still liable. So I highly advise you do take out insurance. Do you want to add to that? Yeah, it's crazy. Thank you very much. I'll finish off with practice and enjoy, and if you'd like to just explain to people the website again and how they can get in touch with you. Alright, thank you very much sir. Nice one. Practice and enjoy. Take care.

This transcript was produced automatically from the audio of the video and may contain mistakes.