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Illustrated street with a brick school building and a white service van, back doors open on road cases with a purple road case on its roof rack, on one side, and a glass conference centre with a scissor lift at the entrance on the other

Audio-visual insurance

bid the
boardroom.

Liability, professional coverage for design and programming, plus comp, vans and gear, for AV integrators taking on commercial fit-outs.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A falling display, a fall from the lift, a fender bender. Tap around to see which policy steps in.

Illustrated cutaway of a two-story office with a display torn from the conference room wall onto a cracked credenza, a toppled ladder under a half-installed ceiling speaker in the training room beside a purple road case, and a work van with a smashed side window, its back bumper against a bollard

general liability

A display mount pulls out of the wall

Damage to the customer’s room and furniture.

workers’ comp

An installer falls hanging a ceiling speaker

Medical bills and lost wages.

commercial auto

The van backs into a bollard

Damage you cause on the road.

tools and equipment

The test gear gets stolen from the van

Meters, programmers and tools, between jobs.

general liability

A display mount pulls out of the wall

Damage to the customer’s room and furniture.

Examples. Your policy sets the details.

the work changes
what we check.

Integration projects, design work and service calls carry different risks. Pick yours.

Commercial integration

Rough‑in to commissioning.

We read the project contract’s insurance exhibit and match your additional insured wording to it, and look at the lifts and overhead work.

we check first: The GC’s insurance exhibit. Illustrated equipment rack of amplifiers and a network switch beside a wall with a display on an arm mount, a coil of cable and a purple road case on the floor

audio-visual businesses
usually carry.

Put them on one program and we shop them together at every renewal.

a display came down?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Signal Room AV

your options

$16,800a year, 5 policies

3 options, same coverage

Option A$16,800

Option B$18,300

Option C$20,500

8 installers5 vansNashville, TNClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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guides
AV integrators ask for.

The coverage behind an AV deployment.

growing by
acquisition?

Buying another audio-visual shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about audio-visual insurance.

What insurance does an audio-visual business need?
Most AV integrators carry general liability, workers’ comp, commercial auto and tools coverage, and GCs and owners ask for proof of liability before rough‑in. Workers’ comp follows state rules once you have employees. Professional liability, cyber, property, installation and umbrella coverage come up as design work, network access and project size grow.
What affects the price of audio-visual insurance?
Mainly your design responsibility, system values, low voltage work, rigging and working height, venues and project size, plus revenue, payroll, vehicles, inventory and claims history. Limits and deductibles move it too. We read the exclusions alongside the premium, so you compare what the price actually buys, not only the payment.
Do AV design and programming create professional or cyber exposure?
They can. System design, programming, configuration, network access, remote monitoring and performance commitments can bring claims that go beyond injury or property damage. A general liability policy isn’t built for those. We read the contract terms next to your professional and cyber coverage rather than assuming the work is covered.
What insurance do general contractors require from AV integrators?
Usually general liability at the limits the contract sets, plus workers’ comp, commercial auto and sometimes an umbrella. Many GCs also want ongoing and completed operations additional insured, primary and noncontributory wording, and a waiver of subrogation. The contract’s insurance exhibit lists the details.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA