Audio Visual Equipment Insurance
Audio visual professionals can protect their important work equipment against loss, theft and accidental damage.
Audio Visual Equipment Insurance
Audio visual professionals can protect their important work equipment against loss, theft and accidental damage.
AV Equipment Insurance - What You Need to Know
AV professionals and businesses rely heavily on specialised equipment to deliver exceptional experiences – so protecting these valuable assets from unforeseen events can be crucial.
Audio Visual Equipment Insurance can provide tailored cover to financially protect your AV business if your equipment is lost, stolen or damaged - ensuring continuity and peace of mind.
Professional video and sound equipment is expensive, and unexpected events like theft, accidental damage or technical malfunctions can lead to costly replacements or repairs. Without insurance, you may have to bear the full financial burden, which can be particularly damaging for small businesses or freelancers relying on their equipment for income.
If you're renting hired-in equipment, many rental companies require proof of insurance - without it, you could be liable for the full cost of any damage. The risk of business interruptions, legal liabilities or lost contracts due to equipment failure makes insurance not just a precaution but a necessity in the AV industry.
Learn more:
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.
Why Audio Visual Equipment Insurance is Recommended
AV equipment, ranging from high-definition cameras to sophisticated sound systems, represents a significant financial investment. These tools are vital for project such as:
- Event Production – ensuring seamless audio and visual experiences at concerts, conferences, and live events.
- Broadcasting - delivering high-quality content for television, film and online platforms.
- Installations - setting up permanent AV systems in venues, theatres, and corporate environments.
Given their importance, any damage, theft or loss can lead to substantial financial setbacks and operational disruptions. Insurance provides a safety net against such risks.
Who Needs Audio Visual Equipment Insurance?
This insurance is recommended for creatives working in the following areas:
- AV Technicians and Engineers - individuals providing technical services for events and installations.
- Production Companies - businesses involved in creating content for media, entertainment and corporate clients.
- Event Organisers - professionals coordinating events that rely on AV equipment.
- Equipment Rental Companies - businesses offering AV equipment for hire to third parties.
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 Equipment Insurance FAQs
Below we have listed the most common questions we get from our customers about equipment insurance for audio visual professionals.
Does standard property insurance cover AV equipment?
Standard property insurance may not provide adequate coverage for specialised AV equipment, especially during transit or rental periods. It is therefore recommended to have a policy tailored to AV assets.
Is hired equipment automatically covered under my policy?
Coverage for hired equipment depends on your specific policy terms. Some policies include it, while others require it to be added separately.
For more information, read our guide: Insurance for Hired In Film and Media Equipment – Everything You Need To Know
What factors influence the cost of AV equipment insurance?
Premiums can be influenced by factors such as the total value of equipment, coverage limits, geographic location and the specific risks associated with your operations.
How much Equipment Insurance cover do I need?
This will depend on the value of your audio visual 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 AV 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
So, whatever creative work you do – your essential tools and kit can be covered and protected against accidental damage, loss or theft.
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.
