Insurance built for light installers
Coverage for Christmas light installers, permanent lighting installers, and audio/visual consultants. General liability, tools and equipment, workers' comp, and more. Get an annual policy or a short-term seasonal policy.
Fast quotes. Buy select coverage online today.
Annual or short-term? You choose.
Not every light installer needs the same policy length. We offer both, so you can match your coverage to how you work.
Annual policy
Year-round coverage. A common fit for permanent lighting installers, A/V pros, and crews that work in every season.
Seasonal policy
Covers a season or project window, like the Christmas light rush. A good fit if you only install for part of the year.
How it works
From telling us about your work to a quote in just a few minutes.
Tell us about your work
The services you offer and how high off the ground you install.
Pick annual or seasonal
Choose the policy length that fits how you work.
Choose your coverage
General liability, tools and equipment, workers' comp, auto, and more.
Bind or connect
Buy select coverage online, or connect with someone to finish up.
Coverage you can build around your business
Pick the pieces that fit how you work. Choose what to explore on the quote form. Coverage, terms, and availability vary by carrier, state, and individual risk.
General Liability
The foundation for most light installers. It responds to third-party bodily injury and property damage claims, like a strand that damages a customer's roof.
Tools & Equipment
Also called inland marine. It covers the ladders, lifts, controllers, reels, and light strands you own and haul from job to job.
Workers' Compensation
For installers with crew or employees. It helps with work-related injuries and the costs that follow.
Commercial Auto
For the trucks and vans you use to carry equipment and crew between homes and job sites.
Product Liability
Often relevant for permanent lighting you sell and install, in case a product you provided causes damage.
Umbrella / Excess
Extra limits stacked on top of your general liability and auto for larger jobs and bigger contracts.
Built for every kind of light installer
However you light things up, the application is shaped around your work.
Christmas light installers
Seasonal crews that hang holiday lights on homes and businesses each winter.
Permanent lighting installers
Year-round installers of track, soffit, and permanent LED lighting systems.
Landscape & architectural
Outdoor, landscape, and architectural lighting for homes and commercial sites.
Audio / visual consultants
A/V installers and consultants who wire, mount, and program home and office systems.
How a Certificate of Insurance Works
Bidding an HOA, a commercial building, or a property manager’s job? Here’s how you go from “I need insurance” to the certificate holder having proof of your coverage, often the same day.
You Apply
You answer a few quick questions about your light-install work and the coverage you want.
Coverage Is Bound
A general liability policy is issued in your business name, often within minutes.
COI Is Generated
You give the certificate holder's full name and address, and a certificate of insurance is created showing your coverage, limits, and dates.
Certificate Holder Gets Proof
The COI is delivered to the HOA, property manager, or general contractor, and you're cleared to start hanging lights.
The kinds of situations installers think about
Illustrative examples only. This is not a promise of coverage. Whether any claim is covered depends on the policy, the facts, the carrier, and your state.
A ladder damages a roof
A ladder slips and cracks a customer's shingles while you hang lights. General liability is the coverage most often associated with third-party property damage like this.
A guest trips over a cord
A visitor trips on a power cord at a job site and is hurt. General liability is built around third-party bodily injury claims.
Gear is stolen from the truck
Ladders and light strands are taken from your parked van overnight. Tools and equipment coverage is designed for the gear you own and move between jobs.
Why light installers work with us
No pressure, no runaround. Here's what you can count on.
Your info stays private
We never sell your information to third parties. One request — no spam, no wall of robocalls.
Backed by a licensed agency
You're working with a licensed insurance agency, not an anonymous lead form that resells your details.
Built for installers
The quote is shaped around real light-install work — working height, tools and equipment, and seasonal vs annual.
Fast, real follow-up
Fill it out in a few minutes and someone follows up to help you line up the right coverage — often the same day.
Common questions
What insurance do light installers usually carry?
Many light installers start with general liability and add tools and equipment coverage for the gear they own. Depending on the business, workers' comp, commercial auto, product liability, and umbrella coverage may also fit. The right mix depends on your work, your state, and the carrier.
Can I get a short-term or seasonal policy?
Yes. We offer both annual policies and short-term seasonal policies. A seasonal policy can cover a busy stretch, like the Christmas light season, while an annual policy covers you all year. Tell us which you want on the quote form and we will help you compare.
Do you cover Christmas light installers and permanent lighting installers?
Yes to both. We work with holiday and Christmas light installers, permanent and year-round lighting installers, landscape and architectural lighting pros, and audio/visual consultants.
How does height affect my coverage?
The higher off the ground you work, the more risk a carrier sees. The quote form asks for the maximum number of stories you install lights from so we can match you with the right market.
How fast can I get a quote?
The quote form takes just a few minutes. Once you submit it, someone follows up to help you line up the right coverage. You can also buy select coverage online right away.
Ready to protect your light install business?
Tell us about your work and we will help you line up the right coverage, annual or seasonal.
Start my quote →