Audio Visual Insurance
Flexible insurance for audio visual professionals, engineers and technicians providing protection across various venues and events, covering equipment and liability.
Audio Visual Insurance
Flexible insurance for audio visual professionals, engineers and technicians providing protection across various venues and events, covering equipment and liability.
Those who specialise in audio-visual technology are able to bridge the gap between what we see and what we hear to offer a cohesive experience.
Whether it's setting up for a concert, a conference or a theatre production, the intricacies of AV work can present a host of potential challenges.
Insurance for audio-visual technicians can make sure that these unforeseen challenges don't disrupt your work or your peace of mind.
Discover what types of cover is available for audio visual technicians:
Public Liability Insurance
What it covers
Protection against claims made by third parties for injuries or property damage during your AV activities.
Why AV technicians might need it
Whether you're wiring a corporate event or calibrating sound for a live show, there's always the risk of accidents happening. If someone gets injured due to your equipment or setup, this cover can mean you're not left with unexpected liabilities.
Professional Indemnity Insurance
What it covers
Can provide protection against claims of negligence, errors or omissions in the AV services you provide.
Why AV technicians might need it
Your expertise makes sure that events run smoothly. If there's a claim of technical issues or dissatisfaction due to an AV mishap, this cover can protect your reputation and finances.
Employers' Liability Insurance
What it covers
Protection against claims from employees related to injuries or illnesses sustained while working with you.
Why AV technicians might need it
If you have employees then it is a legal requirement to have employers’ liability insurance so that you have sufficient cover in the case of any claims for injury or illness being made against you by your employees.
Equipment Insurance
What it covers
Protection for your AV gear – from mixers to projectors – against theft, damage or loss.
Why AV technicians might need it
Your equipment is both valuable and essential. A malfunctioning projector or stolen mixer can severely hamper an event and disrupt your earnings.
Find out more about Audio Visual Equipment Insurance.
Why Choose Mode Insurance?
At Mode Insurance, we understand the unique challenges and pressures of ensuring perfect AV experiences.
Our tailored policies can provide cover for every aspect of your work, from setup to execution.
What AV Roles Do We Cover?
The audio visual (AV) industry is a vast and diverse sector which brings together a wide range of specialists working across sound, visuals, lighting, technology and live events.
From the skilled technicians who set up complex AV systems to the designers who create stunning visual experiences and the engineers who ensure smooth operation behind the scenes, the sector is powered by professionals with highly specialised skills.
One of the most exciting aspects of the AV world is the sheer variety of roles it encompasses. Whether you’re involved in live event production, corporate presentations, film and TV, broadcast, or digital installations, there’s a role for every creative and technical mind.
At Mode Insurance, we understand the diverse nature of the AV industry and the unique challenges that come with each role. That’s why we offer tailored insurance solutions designed to support every type of AV professional.
Here’s a look at just some of the many AV roles we cover:
Sound Professions
Video & Film Professions
AV Technicians & Engineers
Event & Production Services
Studios & Content Creators
Other AV Specialists
AV Content Producers
Those that work with a team to produce audio, light shows or video content that is delivered through pro AV systems.
AV Content Producers typically produce AV content for fixed displays, such as retail applications and sporting venues, or for temporary applications such as concerts, trade shows and museum exhibitions.
Live Event Producers
Live Event Producers plan and manage all of the production elements of a live event, such as the lighting, sound, staging, crewing – and sometimes even booking on-stage talent. They could be working for trade shows or conferences, touring performers or campaigns, or anywhere else people gather for a shared experience.
AV Installation Professionals
These tend to be in charge of installing AV equipment like displays, loudspeakers, control panels, microphones, lighting, cables etc. - and combining them into an integrated system.
AV Designers
Those that design AV systems and solutions for clients and events, which typically involves selecting the right AV equipment, creating detailed CAD drawings to communicate plans and collaborating with other professionals like interior designers, lighting engineers and electricians.
There are also many more specific AV job roles that we can provide cover for, including:
Audio-Specific Roles
- Audio Technicians – Managing microphones, mixers and audio equipment for events or installations.
- Sound Engineers – Specialising in sound mixing, recording and optimisation for live events or recordings.
- Broadcast Audio Engineers – Ensuring high-quality sound for broadcast or live streaming.
- Field Audio Technicians – Handling on-location sound for film, TV or live events.
- FOH (Front of House) Engineers – Managing live sound during concerts or large-scale events.
- Monitor Engineers – Handling on-stage sound for performers during live shows.
- Acoustics Consultants – Designing spaces to optimise sound quality and reduce interference.
Visual and Lighting Roles
- Video Technicians – Installing and operating projectors, LED walls and video playback systems.
- Lighting Technicians – Setting up and managing lighting rigs, effects and ambient lighting.
- Projectionists – Operating large-format or specialty projectors for events or cinemas.
- Video Editors – Editing raw footage for presentations, events or post-production needs.
- Cinematographer/Camera Operators – Capturing high-quality video for broadcasts or live streams.
- 3D/VR Technicians – Designing and implementing immersive visual experiences.
- LED Display Technicians – Specialising in installing and maintaining LED wall systems.
Installation, Setup, and Maintenance
- AV Installers – Installing AV systems in corporate offices, schools and entertainment venues.
- Field Service Technicians – Providing on-site troubleshooting and maintenance for AV systems.
- AV Integration Specialists – Integrating AV systems with other technologies (like automation or security systems).
- Rigging Technicians – Setting up and securing overhead equipment like lighting rigs and speakers.
- Stage Technicians – Preparing stages with AV equipment for live events.
- Control System Programmers – Developing custom control interfaces for AV systems (e.g., Crestron, AMX).
- IT/AV Support Technicians – Ensuring networked AV systems run smoothly and securely.
Live Events and Production Roles
- AV Event Technicians – Setting up and managing AV for conferences, concerts and corporate events.
- Production Managers – Overseeing the AV elements of events, ensuring all technical aspects run smoothly.
- Show Callers/Stage Managers – Coordinating cues for AV, lighting and stage activities during events.
- Live Stream Technicians – Managing the technical side of live streaming events.
- Video Directors – Overseeing multi-camera shoots and live event video feeds.
- Teleprompter Operators – Providing script support during live events or broadcasts.
AV Design and Consultancy
- AV Systems Designer s– Creating AV blueprints, selecting equipment and system layouts.
- AV Consultants – Advising clients on the best AV solutions for specific needs and spaces.
- Lighting Designers – Developing custom lighting schemes for stage productions, events or installations.
- Acoustic Designers – Planning room acoustics for auditoriums, studios or public spaces.
Specialist AV Roles
- Broadcast Engineers – Handling the AV requirements for live TV, radio or streaming broadcasts.
- Film/TV Sound Mixers – Capturing and mixing audio on set for film and TV productions.
- Digital Signage Specialists – Installing and managing electronic signage in public spaces or retail.
- Virtual Event Technicians – Managing AV for hybrid and virtual events.
- Drone Videographers – Capturing aerial footage using drones for events, films or corporate use.
Emerging AV Fields
- AR/VR Specialist – Creating immersive augmented and virtual reality experiences.
- Esports AV Technicians – Handling AV needs for esports events, including live streams and in-venue displays.
- AV Network Engineers – Focusing on networked AV solutions, ensuring seamless connectivity.
- Interactive Technology Specialists – Developing AV systems with touchscreens, motion sensors and other interactive tech.
Latest AV guides
Insurance to suit you
Up to £50k equipment cover
Insure the tools of your trade, as well as hired-in equipment.
Project-by-project Public Liability insurance
Get PLI for £84 a year or choose a shorter term to suit you.
Be covered for contract disputes
Protect your reputation with Professional Indemnity insurance.
Choose your cover and start your quote now
Public Liability insurance from £84 a year for £1m cover
Or choose your own cover limit of £2m, £3m or £5m.
Up to £50k all-risk technical and portable equipment cover
Covered in the UK & EU as standard or increase cover to worldwide.
Professional Indemnity - be covered for contract disputes
Protect your reputation with Professional Indemnity insurance with either a £100,000 or £250,000 limit.
Up to £50k cover for equipment that doesn’t leave your property
Protect the contents of your business and other technical equipment that doesn’t leave your property.
Employers’ Liability cover for up to 3 PAYE employees
Our Employers’ Liability cover provides £10,000,000 of cover.
Audio Visual Insurance FAQs
Below we have listed the most common questions we get from our customers about audio visual insurance.
Why should I get a quote from Mode Insurance?
Our coverage is flexible and can be adjusted to suit periods of intense project work or times when you're between projects. Additionally, our policies are specifically designed for the creative industry and are suited to a wide range of professions.
Can I adjust my insurance coverage as my professional needs change?
Absolutely! We understand that the life of a creative freelancer is ever-changing. That’s why our insurance plans are designed to be as flexible as your career. You can choose from short-term options for specific projects or opt for longer-term coverage. Adjustments can be made to suit your current professional situation, whether you're scaling up your operations or downsizing.
Do I need Public Liability insurance?
Whether you need Public Liability insurance depends on the nature of your business. It's not a legal requirement, but it's particularly important if your business activities involve interaction with clients, customers or members of the public. This could be as simple as working from a coffee shop, all the way to working in a large stadium or event space.
How much Public Liability insurance cover do I need?
The amount of coverage you need depends on your business type, size and the specific risks involved. Typically, businesses opt for cover ranging from £1 million to £5 million, but it's best to assess your individual business needs.
You may find a minimum coverage amount specified in a contract that you are looking to secure as many other businesses, venues or local authorities will stipulate the amount of Public Liability insurance you need.
Is Public Liability insurance a legal requirement?
No, Public Liability insurance is not a legal requirement for most businesses in the UK. However, it can be important due to the financial protection it offers against claims from the public.
You may also find that Public Liability insurance is required by some clients, suppliers and partners before you work with them.
What is the difference between Public Liability and Professional Indemnity insurance?
Public Liability insurance covers injury or damage to third parties and their property, while Professional Indemnity insurance protects against claims of professional negligence or poor advice.
Can I get Public Liability insurance for one day?
Yes, one day Public Liability insurance is becoming increasingly popular and most businesses can obtain cover specifically for one day. This is ideal for short-term events like workshops, pop-up shops or a shoot you are organising.
This is great for budgeting and charging your clients as you know exactly how much the insurance has cost for the specific job.
Which type of creative freelancers need Equipment Insurance?
If your work requires the use of expensive specialist equipment, such as Photography Equipment, Film Equipment, laptops microphones and more, then Equipment Insurance can help provide peace of mind that you can repair or replace any of your important work tools if they are stolen, lost or accidentally damaged.
How much Equipment Insurance cover do I need?
This will depend on the value of your equipment and how much it would cost to replace it all if it were stolen, lost or accidentally damaged.
We can provide up to £50k of Equipment Insurance to cover all of your vital work gear.
What equipment is covered?
The policy covers the equipment you need to keep your business up and running that you take away from the premises.
Some examples of equipment that can be covered are:
- Communication tools, such as desktops, laptops, mobiles, and tablets
- Essential work equipment, such as graphic tablets and hairdressing equipment
- Photography equipment, such as including cameras, lighting, and staging equipment
- Accessories, such as lenses, lighting rigs, etc.
- Cameras and ancillary equipment
- PA, sound and lighting equipment
- Portable electrical equipment
- Mechanical effects equipment
- Grip equipment
- Props, sets and wardrobes
- Makeup and prosthetics
- Editing and recording equipment
- Video and broadcast equipment
Who needs Professional Indemnity insurance?
Creative professionals who provide advice, consultancy work or work under a contract with a client can consider Professional Indemnity insurance.
This includes, but is not limited to, graphic designers, photographers and marketing consultants.
How much does Professional Indemnity insurance cost?
The cost of Professional Indemnity insurance varies based on factors like your profession, the level of risk and the amount of coverage needed.
How much Professional Indemnity insurance do I need?
The amount of cover required depends on your business size, the clients you work with, the types of contracts you work under and the potential risks involved in your services. It's a good idea to assess the maximum claim you could face and choose a limit that can comfortably cover this.
With Mode Insurance you can choose a Professional Indemnity insurance cover limit of either £100,000 or £250,000, depending on your needs and requirements.
Do I need Employers’ Liability insurance?
If you employ anyone, even on a casual or part-time basis, the law typically requires you to have Employers' Liability insurance. This means that you have at least the minimum cover if an employed person makes a claim against you.
What does Employers’ Liability insurance cover?
Employers’ liability insurance can provide cover for:
- Compensation if an employee claims for injury or illness caused while working for you.
- Fees for your legal representation at any coroner’s inquest of fatal accident inquiry and proceedings in any court of summary jurisdiction arising out of any alleged breach of statutory duty.
- The claimants’ legal costs for which you are legally liable.