VR & Spatial Audio Designers
Tailored insurance for VR & Spatial Audio Designers. Build your own cover to suit your needs with Public Liability, Equipment Insurance and more.
VR & Spatial Audio Designers
Tailored insurance for VR & Spatial Audio Designers. Build your own cover to suit your needs with Public Liability, Equipment Insurance and more.
Protecting the Future of Immersive Media
VR and spatial audio specialists are at the cutting edge of digital storytelling. Whether you’re a VR studio partner, a spatial audio designer or part of an immersive media production team, your work pushes boundaries by blending creativity with advanced technology.
Unlike traditional sound or video production, VR and immersive projects often involve experimental workflows, new platforms and high-value equipment - all of which create unique risks.
Why Insurance Matters for VR & Spatial Audio Professionals
Working in emerging media means balancing innovation with responsibility. A project delay, failed demo or technical issue can have significant financial consequences, particularly when working with academic institutions, industrial partners or commercial clients. Equipment such as VR rigs, headsets, servers and spatial audio systems is also expensive to replace if lost or damaged.
Insurance can provide vital protection, giving you the confidence to take on complex projects without incurring unnecessary risk.
Insurance to Suit You
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.
What Roles Do We Cover?
We arrange cover for a variety of immersive media professionals, including:
- VR Studio Partners
- Spatial Audio Designers
- Immersive Media Production Specialists
- AR/VR Freelancers working in academic, industrial or commercial projects
If your work involves VR, AR, spatial audio or immersive media, we can help you find the right cover.
Common Risks in VR & Immersive Audio Work
Some of the challenges you may encounter include:
- Damage or theft of VR rigs, headsets, servers and specialist audio equipment
- Client disputes over project outcomes, delivery times or technical performance
- Technical failures during live demos, conferences or exhibitions
- Intellectual property disputes relating to creative assets or software.
- Business interruption caused by insured events such as fire or flood
Why Choose Mode Insurance?
We understand the innovative nature of VR and immersive audio, as well as the specialist risks that come with them. Our policies are designed to protect both freelancers and studios working at the cutting edge of media production, offering flexible cover that adapts to new technologies and workflows.
With Mode Insurance, you’ll get straightforward advice and tailored protection for your projects, equipment and business.
Practical Advice for VR & Spatial Audio Designers
In addition to insurance, you can reduce risk by:
Backing up projects and code regularly to secure servers and cloud storage.
Using detailed contracts to define deliverables, testing processes and ownership of creative assets.
Testing demos extensively before live client presentations or conferences.
Storing equipment securely and using protective cases during transit.
Keeping software up to date reduces vulnerabilities and downtime.
Latest guides
Audio Visual Insurance FAQs
Below we have listed the most common questions we get from our customers in the audio visual sector.
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.