Audio/visual consultant insurance is coverage for pros who design, wire, mount, and program home and office A/V systems. This includes flat-panel mounts, projectors, surround sound, smart home controls, and the lighting that ties into those systems. Even though a lot of the work is indoors, the risks are similar to other install trades.
Why A/V consultants carry insurance
You are drilling into walls, running wire, and mounting heavy equipment in a customer's space. A dropped television, a damaged wall, or a mount that fails can lead to a claim. Insurance is there to protect your business when something goes wrong.
Common coverages
- General liability responds to third-party bodily injury and property damage, like damage to a wall, floor, or the customer's equipment.
- Tools and equipment covers the ladders, lifts, testers, and gear you own and carry to jobs.
- Product liability can matter when you supply and install equipment that later causes a problem.
- Workers' compensation covers your crew, and commercial auto covers your vehicles.
Annual coverage that stays in place
A/V work usually runs all year, so most consultants choose an annual policy. It stays in place month to month and makes it easy to show a certificate of insurance when a client or property manager asks for one. Tell us about your work on the quote form and we will help you line up the right coverage.