Audio / Video Installation Insurance
Mounting displays, running cable, and wiring sound systems takes you into homes and businesses where drilling and lifting can damage walls, finishes, and pricey gear.
What this coverage is intended to address
- ✓General liability intended to respond when a drilled wall, a nicked pipe, or a dropped panel causes third-party property damage.
- ✓Bodily injury protection intended to address a client tripping over routed cable or a falling component during installation.
- ✓Completed-operations coverage generally intended to respond if a mounted display works loose after the job and causes damage.
- ✓Tools and equipment (inland marine) intended to help replace mounts, testers, and ladders if they are stolen or damaged.
Coverage products commonly considered
Most audio / video installation operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Imagine a stud finder reading wrong and your anchor punctures a water pipe behind drywall; in the event of a covered claim, general liability is intended to respond to the resulting water-damage demand.
- Suppose a projector you mounted is knocked during a later visit and falls onto a client's media console — the policy may help respond to the property-damage claim.
Frequently asked questions
Does this respond to damage to a client's expensive TV?
Third-party property damage you cause to a client's existing property is generally intended to fall under general liability, in the event of a covered claim and subject to the policy.
Is my cable tester covered away from the shop?
A tools and equipment option is intended to help respond if testers and other gear are stolen or damaged on the road, within the policy's limits.
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