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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
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Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
