TV / Satellite Cable Installer Insurance

Commercial Auto Insurance For Installer Vans

For the vans and bucket trucks that spend all day between jobs.

Commercial auto insurance may cover accidents in your work vehicles, and personal auto policies routinely deny claims for business use, which makes this the line installers test most often. Aerial work adds its own layer, and our bucket truck insurance program handles the lift-equipped rigs.

Commercial auto can help pay for:

• Accidents in company vans and bucket trucks.
• Damage your vehicles cause to people and property.
• Hired and non-owned claims from techs driving personal trucks on the job.

Workers Compensation For Install Crews

For the techs on ladders and rooftops every working day.

Workers' compensation for installers may cover medical bills and lost wages after a fall from a ladder or roof, injuries that drive this trade's class codes to their current rates. Most states require it once you hire, with rules that vary by state, and honest payroll classification keeps the audit painless.

Workers' compensation can help pay for:

• Medical care after ladder, roof, and jobsite injuries.
• Lost wages during recovery.
• Employer liability defense.

What's Not Covered Under These Policies

Every policy above has an edge, and installer claims get denied at predictable ones. These are the gaps we check on every incoming operation.

• The customer's TV in your hands. Property in your care, custody, or control is commonly excluded from general liability, so the set you drop mid mount may be on you unless the policy addresses property of others.
• Redoing your own faulty work. Liability may pay for the damage caused by a failed install, but the labor to redo the install is the cost of the lesson.
• Work vans on personal auto policies are the most commonly denied claim in this trade.
• Injuries to your own techs, which belong to workers compensation rather than liability coverage.
• Your 1099 crews' own liability. Their work under your name needs to be addressed deliberately, by their policies, yours, or both.
• Tools left unscheduled, since base liability policies were never meant to insure the meter bag.
• Employment disputes with staff that involve employment practices liability.
• Wear, tear, and weathering on old installs are maintenance, not insurance.

The broader list lives in our rundown of what general liability typically does not cover.

Did you know? Completed operations is the quiet half of an installer's liability policy. Every dish, mount, and cable run you have ever finished is still generating exposure, and claims for work done months ago are applied to the policy in force when the claim is made. Letting coverage lapse between contracts leaves every past job uninsured at once.

Endorsements Installers Commonly Need For Contract Compliance

Fulfillment agreements, property managers, and GCs keep asking for the same handful of endorsements, and missing one can gut your coverage on the day it matters.

1. Additional insured. Extends liability protection to the provider, property manager, or GC for claims tied to your work, the request behind nearly every certificate an installer issues.
2. Blanket additional insured by written contract. Grants that status automatically wherever a signed agreement requires it, so a new fulfillment route never waits on an endorsement.
3. Additional insured, completed operations. Extends that protection to claims from finished work, the wording GCs and providers increasingly demand.
4. Primary and noncontributory wording. Puts your policy first before the contract partner's insurance contributes.
5. Waiver of subrogation. Stops your carrier from pursuing the provider or GC after paying a covered claim, standard in fulfillment and construction agreements.