Satellite Installer Insurance: Cost & Quotes From $35/mo

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Installation of TV satellites is an exciting and swiftly expanding industry. As more people abandon traditional cable television, there is a high demand for satellite installers who can provide digital entertainment services. However, with this expansion comes an increase in the likelihood of risk claims. 

Whether you are an experienced installer or new to the field, it is essential to safeguard yourself and your business from potential financial loss resulting from accidents or damages that may occur during satellite installations. Satellite installer insurance comes into play here. This article will define satellite installer insurance and explain how it can benefit satellite installers like yourself.

General Liability Insurance for Satellite Installers  

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $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 Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included


General liability insurance safeguards your business against financial loss in the event of third-party claims for property damage or bodily injury. For example, if you accidentally damage someone’s property while installing a satellite dish, your insurance will cover repairs and replacement. This coverage can also pay medical and legal costs if an employee gets hurt on the job.


Which Claims Does This Insurance Policy Cover?

General liability insurance functions to cover these perils:

  • Bodily injury claims: This coverage covers you if someone gets injured during a satellite installation project. This insurance can cover medical bills, legal fees, and any settlement or judgment if a customer or third party slips and falls at the installation site

  • Products liability claims: This coverage protects you from satellite equipment or product failures

  • Property damage claims: If you accidentally damage someone else’s property while installing a satellite system, this coverage will help pay for repairs or replacement

  • Completed operations claims: Protects you from satellite installation work claims

  • Personal claims: Libel, slander, defamation, and copyright infringement claims


Add-Ons to General Liability Coverage for Satellite Installers

Common add-ons to general liability insurance are:

  • Cyber liability insurance: Satellite installers may handle sensitive client data or manage vulnerable computer systems. Data breaches, hacking, and other cyber disasters can cost your organization money

  • Umbrella liability insurance: It boosts your coverage limits and protects your assets if a major claim or lawsuit surpasses your primary insurance coverage

  • Product liability insurance: This add-on covers claims from defective satellite equipment or products you sell or install. It protects you from customer or third-party property damage or bodily injury caused by a defective product


Coverage Limits for General Liability Coverage for Satellite Installers

The coverage limits for general liability coverage for satellite installers from $1 million to $5 million, depending on the policy and insurer.


Professional Liability  Insurance for Satellite Installers

CoverWallet (Best) NEXT  Thimble  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 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Yes No


This satellite dish installer insurance is also known as errors and omissions (E&O) insurance, is a category of liability coverage that protects you from lawsuits relating to your professional services. This protects against claims of negligence, errors, and omissions for satellite installers. The one major benefit that stands out is the coverage it provides against legal fees and lawsuits. Without this insurance, you may have to pay a lot to defend against carelessness or other accusations.


What Incidents Are Covered by Professional Liability Insurance for Satellite Installers?

Below are some of the incidents covered by professional liability insurance for satellite installers:

  • When you incorrectly estimate or recommend signal strength, resulting in poor client reception or service

  • If you fail to properly install or configure satellite equipment, leading to signal loss or malfunctioning systems

  • If you negligently damage a customer’s property, such as structural damage or utility disruption

  • When your inaccurate satellite equipment advice causes clients financial loss or inconvenience

  • When you breach confidentiality or mishandle sensitive client information during installation

  • Protecting you from claims or disputes if installation tasks are delayed or incomplete

  • When you’re accused of professional negligence for installing satellites poorly


Add-Ons to Professional Liability Insurance for Satellite Installers

These add-ons may be included in your professional liability policy:

  • Business interruption insurance: Protects your business and income from insured incidents that temporarily interrupt or disrupt satellite installation

  • Umbrella liability insurance: Increase your liability coverage limits to protect against high-value claims


Coverage Limits for Professional Liability Insurance for Satellite Installers

Insures will give you a coverage limit for professional liability insurance for satellite installers from $500,000 to $2 million depending on the policy and insurer.

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Media Liability Insurance for Satellite Installers

 

CoverWallet (Best) NEXT  Thimble  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 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes

Media liability insurance for satellite installers is essential to safeguard you against media content-related legal and financial issues. As a satellite installer, you are accountable for content broadcasted or delivered through your installations. Media liability insurance will pay your legal bills if third parties sue you for intellectual property rights violation or defamation relating to such content. This satellite dish installer insurance also protects you from unforeseen events that could leave significant damage to your reputation and finances. 


What Incidents Are Covered by Media Liability Insurance for Satellite Installers?

Here are some situations where media liability insurance can help:

  • When you are sued for defamation or libel resulting from content published in advertisements, marketing materials, or other media platforms

  • When you unauthorized use a photo, audio, or other copyrighted assets in media activities

  • Publication of sensitive or confidential information for your customer leading to privacy breach claims

  • When you are sued for misappropriation of ideas, trade secrets, or intellectual property rights in your media campaigns


Add-Ons to Media Liability Insurance for Satellite Installers

Cyber liability insurance may offer these add-ons:

  • Cyber liability insurance: Protect your media activities from data breaches, hacking and online defamation

  • Intellectual property infringement coverage: Protect your media activities from trademark, patent, and copyright infringement lawsuits


Coverage Limits for Media Liability Insurance for Satellite Installers

Most insurers will give you a coverage limit of media liability insurance from $1 million to $10 million.


Commercial Property Insurance for Satellite Installers

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
Building coverage limit (minimum) $50,000 $340,000 $25,000/$500,000 $35,000 $25,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $35,000 $15,000
Outdoor signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded


Commercial property insurance for satellite installers is designed to protect the physical assets of your business from unexpected events such as firestorm damage or theft. It covers not only the building you operate out of but also any equipment and inventory that are essential to your satellite installation operations. Having commercial property insurance shows clients that you’re serious about protecting their investment while demonstrating professionalism on every job site by having proper protection for yourself and them.


What Are the Incidents Covered by Commercial Property Insurance for Satellite Installers?

Situations, where commercial property insurance becomes useful, are as follows:

  • Damage or loss to your business property: This covers fire, theft, vandalism, and natural disasters to your office, warehouse, and properties

  • Business interruption coverage: If a covered occurrence, such as a fire in your office, disrupts your satellite installation activities, this coverage pays for lost income and other expenses like rent and utilities

  • Specialized equipment coverage: Your policy protects antennas, receivers, cables, and tools used in satellite installation from damage, loss, and theft

  • Signage and outdoor property coverage: Your insurance may cover satellite antennas and signage against covered risks like storms and vandalism

  • Equipment breakdown coverage: This add-on covers satellite equipment repairs or replacement due to mechanical breakdown, electrical failure, or other covered reasons.

  • Transit or transportation coverage: Covers damage, loss, or theft while transporting satellite installation equipment


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

Common add-ons to commercial property insurance are:

  • Equipment breakdown coverage: Cover the cost of repairing or replacing your specialist satellite installation equipment in the case of mechanical breakdown, electrical failure, and other covered perils

  • Transit or transportation coverage: Protect your equipment and products whether in transit or off-site

  • Business income extension: Extend your business interruption coverage for cash support during prolonged interruptions in your satellite installation operations


Coverage Limits for This Insurance for Satellite Installers

Coverage limits for commercial property insurance for satellite installers range from $500,000 to $5 million, depending on the value of your property and equipment and specific policy requirements


Business Owner’s Policy for Satellite Installers

CoverWallet NEXT (Best) Thimble  The Hartford Hiscox
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $320,000 $25,000/$500,000 $35,000 $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 for satellite installers is an all-in-one policy that provides coverage for property damage, liability claims, and business interruption. It bundles multiple coverage kinds to protect your organization from numerous risks and obligations. This coverage includes:

  • Commercial property insurance: Which covers damage or loss to equipment, tools, and other assets used in your work as a satellite installer

  • General liability coverage: Helps cover legal expenses if someone is injured on your premises or if there are damages caused by your work

  • Business interruption insurance: This provides compensation for lost income due to unexpected events like natural disasters or thefts


What Are the Incidents Covered by BOP for Satellite Installers?

A BOP functions to cover these perils:

  • Property damage caused by satellite installers while working at a customer’s home or office

  • Bodily injury to third parties resulting from negligence on the part of satellite installers. 

  • Loss or theft of tools or equipment used by satellite installers

  • Business interruptions due to fire, theft, and natural disasters 


Add-Ons to Your BOP for Satellite Installers

You can include the following policies as add-ons to a BOP:

  • Cyber liability insurance: Protects your organization and customers from data breaches, hacking, and other cyber catastrophes

  • Employment practices liability insurance (EPLI): Covers legal fees and damages for allegations such as wrongful termination or discrimination


What Are the Coverage Limits of BOP for Satellite Installers?

The coverage limits of a business owner’s policy (BOP) for satellite installers typically range from $1 million to $3 million.


Tools and Equipment Insurance for Satellite Installers 

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


Tools and equipment insurance covers the screwdrivers, ladders, wrench sets, wall plates, and other implements you use to install satellite dishes. You can purchase this as a stand-alone policy or as an add-on to general liability or commercial property insurance.


Situations Where You Can Use This Insurance for Satellite Installers

Tools and equipment insurance can help cover expenses if your implements get lost or damaged due to:

  • Fire

  • Theft

  • Vandalism

  • Electrical surge

  • Mechanical breakdown


Add-Ons to Tools and Equipment Insurance for Satellite Installers 

Common add-ons to tools and equipment insurance for satellite installers are as follows:

  • Rental coverage: Rental coverage allows tools and equipment insurance to cover the repair or replacement of borrowed or hired equipment that got lost or damaged due to fire, theft, vandalism, and other covered perils 

  • Inland marine coverage: Tools and equipment insurance with an inland marine floater can cover the repair or replacement of equipment that got lost or damaged during transit due to fire, theft, vandalism, and other covered perils 


Coverage Limits of Tools and Equipment Insurance for Satellite Installers 

Tools and equipment insurance for satellite installers offers $2,500-$5,000 coverage for equipment repair or replacement. Nonetheless, it’s possible to purchase a tools and equipment policy offering $100,000-$500,000. 

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Commercial Auto Insurance for Satellite Installers

NEXT The Hartford CoverWallet Hiscox  Thimble
Auto liability aggregate limit (minimum) $25,000/$15,000/$25,000 $100,000/$300,000 CSL $15,000/$20,000/$25,000 $25,000/15,000/$25,000 $20,000/$25,000/$15,000
Rental reimbursement coverage aggregate limit $1,500 $900 Excluded $500 $1,000
Trailers can be added to commercial auto insurance? Yes Yes No Yes Yes
Roadside assistance coverage included  Yes No No Yes Yes
Safe driving discounts included? Yes Yes Yes Yes Yes


Commercial auto insurance for satellite installers is a form of coverage that protects vehicles used for business purposes. This insurance for satellite installers can cover physical damage to your vehicle, damages caused by vehicle accidents, and other expenses related to operating a commercial vehicle. This insurance helps if someone is hurt or their property is damaged in an accident that your car caused, it offers financial protection. It can also pay for related charges like medical bills and legal fees.


In What Circumstances Can You Use Commercial Auto Insurance for Satellite Installers?

Here are some situations where commercial auto insurance could be useful:

  • If you cause an accident and injure someone

  • If you unintentionally cause property damage to another person

  • If your work vehicle gets stolen or vandalized 

  • If your equipment is damaged during shipment

  • If improper installation causes damage to another party’s network infrastructure

  • If you hit another motorist while driving for work-related purposes, you will be fined 


Coverage Limits for Commercial Auto Insurance for Satellite Installers

Liability coverage limits for commercial auto insurance for satellite installers range between $500,000 and $1,000,000, with higher limits available.


Add-Ons for Commercial Auto Insurance for Satellite Installers

Common add-ons to commercial auto insurance are:

  • Hired auto coverage: This covers leased or rented vehicles used for your business operations temporarily

  • Cargo insurance: This add-on protects your goods transported in the vehicle from damage or theft during transit

  • Personal injury protection: Pays medical bills related to injuries sustained by you and your passengers in an accident regardless of fault


Workers Compensation Insurance for Satellite Installers

Workers compensation covers job-related injuries and illnesses to your employees. This policy provides the employee with financial assistance for medical expenses, missing wages, and disability benefits. It covers a worker’s medical costs, lost wages, and other associated expenses. This insurance is essential for safeguarding yourself and your employees.

Situations When Workers Compensation Insurance for Satellite Installers Can Help You

Workers compensation insurance can help if these happen:

  • Injury during installation

  • If you fall from a ladder, rooftop, or other elevated position during satellite installation

  • Repetitive strain injuries such as back discomfort, joint pain, and carpal tunnel syndrome. Workers’ compensation insurance covers medical costs and lost pay from these injuries

  • Electrical shocks, scrapes, and burns can occur while installing or handling satellite equipment

  • Accidents during transportation


Coverage Limits of Workers’ Compensation Insurance for Satellite Installers

Workers compensation insurance has no set coverage limits. The amount you’ll get depends on the workers comp laws of the state. 


Add-Ons for Workers’ Compensation Insurance for Satellite Installers

Common add-ons to workers compensation insurance are:

  • Employer’s liability insurance: Covers legal fees and damages if an employee or contractor sues you for work-related injuries or illnesses

  • Disability income insurance: Covers you if a work-related injury disables you and is unable to work. It can cover some of your missed wages during rehabilitation


Excess Liability Insurance for Satellite Installers

Excess liability insurance for satellite installers provides additional coverage beyond the limits of your primary liability insurance for satellite installers. This insurance protects you from expensive liability lawsuits. 

Even though your primary liability insurance provides a minimum level of protection, it may not be sufficient in the event of a major incident. Additionally, this satellite installer insurance provides higher coverage limits and additional protection against incidents such as property damage, bodily injuries, advertising liabilities, personal injuries, and product liabilities. 


What Incidents Will Excess Liability Insurance for Satellite Installers Help?

Excess liability insurance provide supplementary coverage for these perils covered by the base policy it’s endorsed to:

  • Property damage caused by an accident during installation

  • Injuries sustained by consumers or bystanders

  • Defamation and libel claims related to advertising activities

  • Personal injury claims, including false arrest and invasion of privacy

  • Product liability for equipment installation-related damages

  • Accidents caused by defective installations

  • Expenses incurred for legal defense in litigation related to your work

  • Claims resulting from concluded satellite installation procedures

  • Indemnification for contractual liabilities assumed in client agreements

  • Damages to the environment or pollution-related liabilities during satellite installation


Add-Ons for Excess Liability Insurance for Satellite Installers

Common add-ons to excess liability insurance are:

  • Contractual liabilities coverage: This add-on covers liabilities from your client or subcontractor contracts

  • Pollution liability coverage: This add-on covers pollution responsibility if your satellite installation uses chemicals or products that potentially harm the environment


What Are the Coverage Limits for Excess Liability Insurance for Satellite Installers?

Excess liability insurance for satellite installers typically covers $1 million to $10 million, depending on the coverage and insurer.

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Satellite Installer Insurance Cost

Satellite TV installer insurance is $111 per month or $1,332 per year. The cost of satellite dish installer insurance depends on business size, coverage needs, location, and other factors. Here’s a table showing the price of a $1 million general liability policy from the best companies: 


Company Cost per Month Cost per Year Best For
NEXT $75 $900 Best overall; Fastest general liability insurance for satellite TV installers
Thimble $80 $960 On-demand coverage, short-term projects
Tivly $110 $1,320 Comparing satellite installer insurance quotes over the phone
CoverWallet $120 $1,440 Comparing satellite installer insurance quotes over the phone
Hiscox $130 $1,560 Specialized coverage, reputation, financial stability
The Hartford $150 $1,800 Comprehensive coverage, industry expertise


Best Satellite Installer Insurance Companies

Here are some insurance companies to consider working with. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy:


NEXT 


Pros

  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount


Cons

  • Couldn’t find any 

NEXT is a specialized insurance corporation that provides coverage for satellite installers. They comprehend the unique risks and obstacles satellite installers face and offer customized insurance policies to meet their specific requirements. Whether you are installing satellites for residential or commercial purposes, NEXT provides comprehensive coverage options that protect you from property damage, liability claims, and even equipment theft. 


Best for: Best overall; Fastest general liability insurance for satellite TV installers 

Average cost: $75 per month

Our rating: 10/10


CoverWallet 


Pros

  • Platform for online estimates, policy comparisons, and purchases
  • Serving the requirements of satellite installers with specialization
  • Certificates of insurance that facilitate customer and contractor compliance
  • Capability to obtain policies tailored to short-term endeavors or varying responsibilities

Cons
  • Not insurance but an insurance broker 

CoverWallet is a top-tier insurance provider that comprehends the needs of satellite installers and offers specialized insurance packages to meet your needs. With their user-friendly online platform, you can effortlessly compare quotes, administer policies, and make necessary adjustments. The company’s commitment to customer service guarantees that satellite installers receive expeditious assistance and support in the event of claims or issues.


Best for: Comparing satellite installer insurance quotes over the phone 

Average cost: $120 per month

Our rating: 10/10


The Hartford


Pros

  • Knowledge of industry-specific hazards and obstacles
  • Capability to assist in times of need
  • Stability in both reputation and finances

Cons

  • In comparison to other insurance providers, the premiums are substantially more expensive

  • There are limited options for add on coverage in addition to the main policy

The Hartford has a longstanding reputation for providing dependable insurance solutions to a wide range of industries. Their expertise in the field enables them to comprehend the unique risks and obstacles confronted by businesses that install satellites. General liability insurance, professional liability insurance, and property insurance are among the extensive coverage options offered by The Hartford. In addition, they offer you advantageous add-ons such as business income insurance and equipment malfunction coverage to further safeguard your operations. 


Best for: Comprehensive coverage, industry expertise

Average cost: $150 per month

Our rating: 10/10


Tivly


Pros

  • Offers tailored coverage options specifically designed for satellite installers
  • Protect against property damage, bodily injury claims, and errors or omissions, ensuring that your business is safeguarded.
  • Helps mitigate potential financial losses by adequately protecting your assets and liabilities.
  • Allows you to customize your coverage based on your business requirements
  • Have the opportunity to obtain comprehensive protection for your satellite installation business from a single insurance provider.

Cons

  • Its background, ownership, and coverage facts may be difficult to judge.

  • As with any insurance carrier, customer service can vary in response and support.


Tivly is a marketplace that matches businesses with insurance providers, it provides a valuable platform for you to interact with industry-specific insurance providers. As a marketplace, Tivly offers satellite installers a convenient and efficient way to compare multiple insurance options and select the one that best meets their requirements. You can save time and effort in searching for insurance providers, as the platform facilitates the process by presenting a curated selection of insurance options that are tailored to their specific needs. Call now and talk with a representative to compare quotes over the phone. 


Best for: Comparing satellite installer insurance quotes over the phone 

Average cost: $110 per month

Our rating: 9/10


Thimble


Pros

  • On-demand coverage lets you buy insurance by the hour, day or month to accommodate short-term projects or unpredictable workloads.
  • The application process is simple and fast, making it easier to receive the coverage you need.
  • Cost-effective for short-term projects 

Cons

  • The cost of long-term projects may be higher than those of other insurance carriers.

Thimble provides on-demand insurance coverage, allowing you to obtain it exactly when required. The company’s novel strategy lets you acquire project coverage for one-time installations or going on contracts. With Thimble, you can purchase insurance on an hourly, daily, and monthly basis, eliminating the need for long-term contracts. 


Best for: On-demand coverage, short-term projects

Average cost: $80 per month

Our rating: 9/10


Hiscox


Pros

  • Specific coverage to manage industry risks and challenges.
  • Reputation and financial stability
  • Personalize your coverage to safeguard your satellite installation business.
  • Timely and reliable help throughout the insurance procedure and claims management.

Cons

  • Hiscox policies can be complicated, according to some clients.

Hiscox’s history dates back to 1901, Hiscox has built a strong reputation for providing comprehensive insurance solutions tailored to the unique needs of businesses. With over 100 years of experience, Hiscox has a deep understanding of the unique risks faced by businesses in various sectors. By choosing Hiscox, you can take advantage of the company’s expertise, financial stability, and dedication to providing dependable insurance coverage that protects your businesses and mitigates potential risks.


Best for: Specialized coverage, reputation, financial stability

Average cost: $130 per month

Our rating: 9/10

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