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.
| 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.
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
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
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.
| 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.
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
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
Professional liability insurance for broadcasters offers $1 million to $5 million, although your needs and the insurance provider may allow higher amounts.
Get all the best quotes from leading providers in a click of a button!
| 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.
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
Equipment breakdown coverage–This add-on covers the mechanical or electrical breakdown of important broadcasting equipment, protecting you from expensive repairs or replacements
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.
| 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.
Business owner’s policy offers a $1 million-$2 million general liability coverage and $25,000-$60,000 commercial property coverage.
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
| 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.
Inland marine coverage–Covers your cameras, microphones, and broadcasting gear for remote broadcasts and on-location filming
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 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.
On-the-job accidents
Slips, trips and falls
Equipment-related injuries
Work-related illnesses
Travel-related accidents
Employer's liability insurance–Covers claims made by employees alleging negligence or hazardous working conditions, extending the protection beyond standard workers' compensation benefits
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 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
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
Depending on the policy and vehicle value, broadcaster business auto insurance coverage limits range from $500,000 to $1 million.
| 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 |
Get all the best quotes from leading providers in a click of a button!
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.
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
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
Simple application process accessible online
Options for coverage that can be tailored to your requirements.
Instantaneous pricing and distribution of policies
Compare quotes online
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
Specialized media insurance
Strong financial standing
Wide network of agents for one-on-one support are available
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
Compare quotes over the phone.
Experienced agents with industry expertise
Individualized solutions based on specific requirements
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
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
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
Global reach and knowledge
Numerous add-ons to base policies
14-day money-back guarantee
Customize policies easily
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
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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