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.
| 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.
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
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
The coverage limits for general liability coverage for satellite installers from $1 million to $5 million, depending on the policy and insurer.
| 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.
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
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
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.
Get all the best quotes from leading providers in a click of a button!
| 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.
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
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
Most insurers will give you a coverage limit of media liability insurance from $1 million to $10 million.
| 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.
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
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 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
| 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
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
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
The coverage limits of a business owner’s policy (BOP) for satellite installers typically range from $1 million to $3 million.
| 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.
Tools and equipment insurance can help cover expenses if your implements get lost or damaged due to:
Fire
Theft
Vandalism
Electrical surge
Mechanical breakdown
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
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.
| 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.
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
Liability coverage limits for commercial auto insurance for satellite installers range between $500,000 and $1,000,000, with higher limits available.
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 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.
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
Workers compensation insurance has no set coverage limits. The amount you’ll get depends on the workers comp laws of the state.
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 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.
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
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
Excess liability insurance for satellite installers typically covers $1 million to $10 million, depending on the coverage and insurer.
Get all the best quotes from leading providers in a click of a button!
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 |
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:
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
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
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
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
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
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 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
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
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.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
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!
It really can't get any better than this... wow
Not all those who wander are lost.
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