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Sound engineers do a lot of things. Film production companies employ the services of sound engineers to make sound effects for scenes and characters. Sound engineers also help to make video games become more realistic.
A lot of things can go wrong while you’re working and Sound engineer insurance can save your business.
This article guides you on what you can expect to pay for insurance, and which are the best companies that can provide the best coverage.
Any business or freelancer providing sound engineering services for any industry needs sound engineer insurance. You are eligible for coverage if you associate yourself with the following businesses:
Insurance companies underwrite liability coverage as a primary protection against lawsuits that clients, partners, and other businesses might file. General liability, sound engineer public liability insurance, professional liability are the three types of sound engineer liability insurance. The sections below explain how each works:
What if someone at a concert you provided sound engineering services claims the sound was too loud, causing them to have hearing damage?
General liability insurance protects you from any financial devastation of all these claims. Use the table to see which insurance company best offers this type of sound business insurance for audio engineers.
| CoverWallet | NEXT (Best) | Thimble | The Hartford | |
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $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 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | No |
Professional liability insurance allows you to sort things out easily if a client files a claim for negligence, breach of contract, and violation of fair dealing.
You can use professional liability insurance if you find yourself in the bad side of clients because you:
| CoverWallet (Best) | NEXT | Thimble | The Hartford | |
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | No |
| Deductible | $500 | $500 | $500 | $500 |
This insurance allows you to recover financial losses if the studio gets damaged or destroyed due to fire, theft, vandalism, sprinkler leakage, sinkhole collapse, and other covered perils.
Use the table above to see which insurance company offers the best commercial property insurance for sound engineers.
| CoverWallet | NEXT (Best) | Thimble | The Hartford | |
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $50,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $50,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded |
Get all the best quotes from leading providers in a click of a button!
It applies when you set up your equipment in a venue that is not your business or home premises
It will cover your loss if computers and other sound equipment got lost or damaged due to theft, vandalism, lightning, fire, and other covered perils while you’re traveling, or working at a client’s studio
| NEXT | Thimble | The Hartford | |
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 |
Workers’ compensation insurance is mandated by law if you work with one or more part-time and full-time employees. You can also name yourself as an insured in the terms of this policy. You can use workers’ compensation insurance to cover the expenses for:
| Cost per Month | Cost per Year | Deductible | |
| General liability insurance | $38 | $456 | $0-$500 |
| Professional liability insurance | $66 | $792 | $500-$1,000 |
| Commercial property insurance | $115 | $1,380 | $1,000-$2,000 |
| Business owner’s policy | $140 | $1,680 | $1,500 |
| Commercial auto insurance | $50 | $600 | $500-$1,000 |
| Workers compensation insurance | $103 | $1,236 | $1,000-$2,500 |
The average insurance cost is $38 per month or $456 per year for a $1 million general liability insurance. Factors that affect the cost of premiums are:
NEXT specializes in granting coverage for independent sound engineers and those who own their studios.
This company’s sound engineer insurance program offers a general liability policy, professional liability policy, commercial property policy, tools and equipment insurance, and workers compensation insurance. Coverage is offered in partnership with Tivly.
Average cost: $20 per month
Our rating: 10/10
CoverWallet is an insurance broker that allows you to compare sound engineer insurance quotes with a click of a button. With this company, you can see which insurance carrier offers a great coverage at a reasonable price.
Average cost: $22 per month
It takes pride in its 200 years of experience in protecting small to medium-sized businesses. It has good ratings from AM Best, Moody’s, and S&P.
The Hartford doesn’t have a sound engineer insurance package but you can get covered through its recording studio insurance package.
Average cost: $25 per month
Our rating: 10/10
Get all the best quotes from leading providers in a click of a button!
Tivly allows you to compare quotes. In addition, They work with NEXT and other insurance companies to grant you the most comprehensive sound engineer insurance package made.
Average cost: $26 per month
Our rating: 9/10
Average cost: $36 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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