Broadcaster Insurance: Cost & Quotes From $49/mo

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Risks are present in the broadcasting industry. A competitor might file a media liability lawsuit for copyright infringement. A writer of your company might get involved in an accident while covering important news. The show produced by a filmmaker might offend people and result in a costly legal battle. Don’t forget about equipment breakdowns too. That’s where broadcaster insurance provides protection. This safeguards your business against financial losses, helping you navigate uncertainties and maintain the continuity of your broadcast operations.

General Liability Insurance for Broadcasters

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


General liability insurance protects you from a variety of claims and occurrences. It covers bodily injury, property damage, personal and advertising injury claims, and claims for products and completed operations. It protects your business from potential financial losses resulting from accidents or litigation caused by your broadcasting activities.


Which Claims Does This Insurance Policy Cover?

  • If a visitor, employee, or a third party suffers bodily injury on your property or during a broadcast-related event, you are liable.

  • Accusations of privacy invasion, copyright infringement, slander, libel, or any defamation resulting from your broadcasting activities.

  • If your broadcasting equipment, sets, or other property cause damage to someone else’s property

  • If your broadcasting company produces or sells DVDs, merchandise, or other promotional items, and a defect in these products causes harm or injury to a consumer

Add-Ons to General Liability Coverage for Broadcasters

  • Cyber liability insurance–This coverage protects you from data breaches, unlawful access to sensitive data, and cyberattacks on your broadcasting systems or online platforms

  • Excess liability–You may need to add excess liability coverage to your broadcasters liability insurance to extend policy limits and enjoy comprehensive protection

Coverage Limits for General Liability Coverage for Broadcasters

The coverage limits for general liability insurance for broadcasters typically range from $1 million to $5 million, depending on the specific policy and the broadcaster’s requirements.


Professional Liability Insurance for Broadcasters

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500


This broadcasters liability insurance is also known as errors and omissions (E&O) insurance. It protects you against claims of professional negligence, broadcasting errors, invasion of privacy, and failure to provide promised services. It safeguards you against potential legal expenses and damages resulting from these incidents.


What Incidents Are Covered by Professional Liability Insurance for Broadcasters?

  • Inaccurate information, misrepresentation, and misleading statements resulting from your broadcasting errors

  • If you unintentionally infringe upon someone else’s copyright by using their protected material without proper authorization or attribution

  • If your broadcasting activities result in an invasion of privacy, such as improper disclosure or use of private information

  • Defamation claims, such as libel and slander

  • Breach of contract

  • Failure to deliver services

Add-Ons to Professional Liability Insurance for Broadcasters

  • Media liability coverage–Media liability insurance covers defamation, invasion of privacy, copyright infringement, and other media-specific liabilities.

  • Broadcast transmission interruption insurance–Provides coverage for losses caused by transmission interruptions, technical malfunctions, or other unforeseen disruptions, protecting your broadcasting operations and ensuring viewer satisfaction

Coverage Limits for Professional Liability Insurance for Broadcasters

Professional liability insurance for broadcasters offers $1 million to $5 million, although your needs and the insurance provider may allow higher amounts.

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Commercial Property Insurance for Broadcasters

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


You need commercial property insurance to protect your businesses from property-related dangers. It covers fire, theft, vandalism, water damage, and natural disasters for your broadcasting equipment, studio facilities, and other property. This inclusion in broadcaster and radio station insurance programs coverr reconstruction, repairs, or replacement, assuring business continuity. It can also cover business interruption losses and associated costs. 


What Are the Incidents Covered by Commercial Property Insurance for Broadcasters?

  • Fire and smoke damage to your broadcasting equipment, studio facilities, and other property

  • Water damages such as leaks, broken pipes, and other water damage that can damage your broadcasting equipment, electronics, and studio spaces

  • Theft and vandalism of your tool and equipment

  • Natural disasters such as earthquakes, storms, hurricanes, and floods that can destroy your broadcasting facilities and equipment

  • Recover financial damages if a covered risk temporarily suspends or interrupts your broadcasting operations

  • Mechanical or electrical breakdown of your broadcasting equipment

What Are the Common Add-Ons to Commercial Property Insurance for Broadcasters?

  • Equipment breakdown coverage–This add-on covers the mechanical or electrical breakdown of important broadcasting equipment, protecting you from expensive repairs or replacements

Coverage Limits for Commercial Property Insurance for Broadcasters

An insurance provider can pay you $500,000 and $5 million. The coverage limits will depend on factors such as the scope of your broadcasting operations, the value of your apparatus and property, and the level of coverage you select.


 A person sitting on a chair in front of a video camera.


Business Owner’s Policy for Broadcasters

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


A business owner’s policy (BOP) for broadcasters is a comprehensive insurance package that combines general liability and commercial property insurance. It protects you against bodily injury, property damage, and personal injury claims. BOP also safeguards your broadcasting equipment, studio facilities, and other physical assets against fire, theft, vandalism, and natural disasters. 


Coverage Limits for Business Owner’s Policy for Broadcasters

Business owner’s policy offers a $1 million-$2 million general liability coverage and $25,000-$60,000 commercial property coverage. 


Add-Ons to This Broadcasters Insurance

  • Customer property coverage–This reimburses a third party whose property got damaged while under your care, custody, and control 

  • Flood insurance–Protects your broadcasting facilities and equipment against flood damage, which is often excluded from commercial property insurance

Tools and Equipment Insurance for Broadcasters

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance protects your costly broadcasting equipment from a variety of threats. It protects your valuable tools and equipment against theft, vandalism, fire, and accidental damage. You can receive financial compensation for repairs, replacements, or reimbursement for equipment’s actual value with tools and equipment insurance.

Add-Ons to Tools and Equipment Insurance for Broadcasters

  • Inland marine coverage–Covers your cameras, microphones, and broadcasting gear for remote broadcasts and on-location filming

What Are the Coverage Limits for Tools and Equipment Insurance for Broadcasters?

Tools and equipment insurance coverage limits vary by equipment value. However, average coverage limits are $10,000–$500,000. The restrictions will depend on your broadcasting activity’s risk profile, equipment types and values, and coverage level. 


Workers Compensation Insurance for Broadcasters

Workers compensation insurance protects your employees if they sustain occupational injuries or illnesses. This insurance protects you and your employees by covering medical expenses, lost wages, and disability benefits.


Situations When Workers’ Compensation Insurance for Broadcasters

  • On-the-job accidents

  • Slips, trips and falls

  • Equipment-related injuries

  • Work-related illnesses

  • Travel-related accidents

Add-Ons to Workers Compensation Insurance for Broadcasters

  • Employer’s liability insurance–Covers claims made by employees alleging negligence or hazardous working conditions, extending the protection beyond standard workers’ compensation benefits

Coverage Limits of Workers’ Compensation Insurance for Broadcasters

Workers compensation insurance has no set coverage limit. Payouts depend on the workers comp law of the state where your business is in. 


Commercial Auto Insurance for Broadcasters 

Commercial auto insurance for broadcasters is designed to provide coverage for vehicles used in your broadcasting business. This insurance protects you and your employees against the financial consequences of accidents, damages, or theft involving company vehicles. Common inclusions in commercial auto insurance are:

  • Auto liability coverage–Covers the bodily injuries or property damage of third parties who got involved in an accident caused by the commercial vehicle of your broadcasting business

  • Collision coverage–Takes care of repair expenses if your vehicle got damaged or lost due to a crash

  • Comprehensive–Covers repair costs if your commercial vehicle sustained damage from fire, theft, vandalism, and other related perils 

Add-Ons to for Commercial Auto Insurance for Broadcasters

  • Umbrella liability coverage–Offers additional liability protection beyond the limits of your primary commercial auto insurance policy, providing higher coverage limits in the event of a catastrophic event or lawsuit

  • Hired/non-owned auto coverage–Covers the cost of accidents caused by a commercial vehicle your broadcasting company hired or borrowed for business purposes 

Coverage Limits for Commercial Auto Insurance for Broadcasters

Depending on the policy and vehicle value, broadcaster business auto insurance coverage limits range from $500,000 to $1 million.

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Broadcaster Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $45 $540 $0-$500
Professional liability insurance $60 $720 $500-$1,000
Excess liability insurance $51 $612 $500-$1,000
Commercial property insurance $60 $720 $1,000-$2,000
Business owner’s policy $100 $1,200 $1,500
Tools and equipment insurance $49 $588 $500-$1,000
Commercial auto insurance $60 $720 $500-$1,000
Workers compensation insurance $105 $1,260 $2,500-$5,000


The average broadcaster insurance cost is $45 per month or $540 per year for a $1 million general liability policy. Your premiums depend on business history, claims history, business size, policy limits, deductibles, location,  and annual revenues. Here’s a table showing the cost of a $1 million general liability insurance from the best broadcaster insurance companies:

Cost per Month Cost per Year Best for
NEXT $25 $300 Best overall; Fastest general liability insurance for broadcasters
CoverWallet $29 $348 Comparing broadcaster insurance quotes online
The Hartford $31 $372 Workers compensation insurance for broadcasting companies
Tivly $35 $420 Comparing broadcaster insurance quotes over the phone
Thimble $37 $444 On-demand coverage for broadcasting companies
Hiscox $39 $468 Broadcaster insurance with worldwide coverage

Compare Cheap Broadcaster Insurance Quotes Online

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Best Broadcaster Insurance Companies

Here are the best broadcaster insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability coverage. 


NEXT Broadcaster Insurance   

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for broadcasting companies 

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT offers industry-specific general liability, professional liability, commercial vehicle, and workers’ compensation coverage. This company’s flexible payment plans let broadcasters pay monthly, quarterly, or annually. In addition, NEXT Insurance’s customer care team responds quickly and personally to inquiries. 

Best for: Best overall; Fastest general liability insurance for broadcasters 

Average cost: $25 per month

Our rating: 10/10


CoverWallet Broadcaster Insurance

Pros

  • Simple application process accessible online

  • Options for coverage that can be tailored to your requirements.

  • Instantaneous pricing and distribution of policies

  • Compare quotes online

Cons

  • Not an insurance company but an insurance broker 

As a disruptive technologies company, CoverWallet leverages cutting-edge technology to simplify and streamline the insurance process for businesses of all sizes. What sets CoverWallet apart is its user-friendly digital platform, which allows businesses to compare and purchase insurance policies online easily. The platform provides a seamless experience, enabling broadcasters to obtain multiple quotes, customize their coverage, and manage their policies conveniently in one place. 

Best for: Comparing broadcaster insurance quotes online 

Average cost: $29 per month

Our rating: 10/10


The Hartford Broadcaster Insurance

Pros

  • Specialized media insurance

  • Strong financial standing

  • Wide network of agents for one-on-one support are available

Cons

  • Few self-service online options

The Hartford, with over 200 years of expertise, is known for its wide selection of insurance products and customized solutions for businesses, people, and organizations. It excels in understanding industry-specific risks. The company offers property and liability insurance, workers’ compensation, and group benefits tailored to construction, manufacturing, and healthcare enterprises. Many trust The Hartford due to its long history, industry knowledge, and customer-centric attitude.

Best for: Workers compensation insurance for broadcasting companies

Average cost: $31 per month

Our rating: 10/10


Tivly Broadcaster Insurance

Pros

  • Compare quotes over the phone.

  • Experienced agents with industry expertise

  • Individualized solutions based on specific requirements

Cons

  • You need to talk to a representative for a quote

Tivly, is a licensed insurance agency operating in all United States except for Alaska and Hawaii. It tailors insurance packages to each client’s unique demands and challenges with various insurance solutions and services. 

The agency’s skilled staff provides expert assistance and maintains good ties with a large network of reliable insurance providers. This allows it to offer affordable pricing and extensive coverage options, ensuring broadcasters get the finest insurance solutions. Call now to compare quotes over the phone. 

Best for: Comparing broadcaster insurance quotes over the phone

Average cost: $35 per month

Our rating: 9/10


Thimble Broadcaster Insurance

Pros

  • Options for hourly, daily, and monthly coverage

  • Rapid and simple policy purchase procedure

  • Reasonable fees for small-scale broadcasters

  • Numerous add-ons to general liability insurance 

Cons

  • You can’t reach customer service by calling 

Thimble recognizes changing employment and the need for adaptable insurance options. It provides on-demand coverage for small enterprises, independent contractors, and freelancers. Thimble gives broadcasters flexibility by offering on-demand insurance plans by the hour, day, or month. Thimble’s digital platform makes buying and managing insurance easy for users.

Best for: On-demand coverage for broadcasting companies 

Average cost: $37 per month

Our rating: 9/10


Hiscox Broadcaster Insurance

Pros

  • Global reach and knowledge

  • Numerous add-ons to base policies

  • 14-day money-back guarantee

  • Customize policies easily 

Cons

  • Some customers complain about questionable claim denials 

Hiscox has excelled at providing customized insurance solutions for businesses and people for over a century. What sets Hiscox apart is its unwavering commitment to innovation and flexibility. The organization accepts new risks and updates its policies to cover modern business. It uses data analytics and digital platforms to improve procedures and customer experiences. Hiscox also prides itself on its highly qualified underwriters, who have significant industry expertise and can create custom insurance policies to address broadcaster’s risks.

Best for: Broadcaster insurance with worldwide coverage

Average cost: $39 per month

Our rating: 9/10

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