Lighting Technician Insurance
Specialist cover for lighting technicians from £6.85* per month.
- Public liability for lighting techs
- Add Equipment cover
- Join over 150,000 customers**
From only £6.85* per month
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What does lighting technician insurance cover?
Our insurance for lighting technicians is designed to support professionals working across live events, theatre, film, TV, and commercial installations. From freelance lighting techs and programmers to small production teams handling complex setups, it provides essential protection whether you work solo or as part of a crew.
The core cover includes public liability insurance, with limits of up to £5 million. This protects you against claims for injury or property damage that may occur during your work. An affordable policy, allowing you to work with confidence while focusing on delivering safe, effective lighting for every project.
Our lighting technician insurance is flexible and can be tailored with optional add-ons such as professional indemnity, equipment cover, personal accident protection, and legal expenses. So, whether you’re working on touring productions, one-off events, or permanent installations, you’re protected against potential financial losses.
Make sure you have the correct insurance for your profession and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Employers' Liability
Equipment
Personal Accident
Public Liability and Products Liability
- From £1 million to £5 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Professional Indemnity
- From £100,000 to £1 million of cover.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Business Equipment
- Up to £25,000 worth of cover
- Cover is provided on a new-for-old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit, including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select European Union or Worldwide (excluding the USA & Canada).
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Expertise out of your scope of work.
- Businesses with more than 5 employees
- Damage to electronic data
- Wear and tear of equipment
- Operating in the US and Canada
- Anyone aged 16 or younger working for you
For further information on exclusions in your cover, please refer to the policy documentation.
Why do lighting technicians need insurance?
As a lighting technician, your responsibilities extend far beyond making a space look good. You’re responsible for safe installation, correct operation, and delivering lighting designs that meet both creative and technical requirements. Even with experience and careful planning, unexpected issues can still arise.
Having specialist lighting tech insurance in place means that if a claim is made against you, from incidents such as accidents, a technical fault, or a lighting setup that didn’t perform as expected – you’re supported. Insurance can help to protect your finances, your professional reputation, and provide support when things go wrong unexpectedly.
Lighting technician insurance provides cover in the following common situations:
Public Liability for lighting technicians'
Lighting work often takes place in busy venues, studios, or public spaces, where members of the public, performers, and crew are present. Accidents can happen; for example, if a light stand is knocked over, a cable causes someone to trip, or a fixture damages a venue’s ceiling or rigging.
Public liability insurance helps cover compensation claims and legal costs if you’re held responsible for injury or property damage, so a single incident doesn’t put your business at risk.
Professional indemnity insurance
If you’re involved in lighting design, programming, or advising clients on technical setups, there’s always a risk that something doesn’t go to plan. A client may claim your lighting design was unsuitable for the space, that programming errors caused delays, or that incorrect advice led to additional costs or lost revenue.
Professional indemnity insurance helps cover legal defence costs and any compensation awarded, even if the claim is unfounded. It gives you peace of mind when taking on creative or technically complex projects.
Equipment cover
Your equipment, including lighting fixtures, control desks, dimmers, cables, rigging hardware, and laptops, is no doubt, critical to your work. If your gear is stolen from a venue, damaged during transport, or affected by an accident on site, it can bring projects to a standstill.
Equipment cover helps replace essential items on a new-for-old basis, allowing you to get back to work quickly with minimal disruption.
Personal accident cover
Lighting technicians often work in physically demanding environments. Lifting heavy fixtures, working on ladders and repetitive tasks can increase the risk of injury. Slips, trips, and falls are also common hazards.
Personal accident cover provides financial support if you’re injured and unable to work, helping to cover lost income or living costs while you recover.
Our experts explain why...
“We understand how lighting technicians have specific work demands; with tight schedules, complex setups, and real responsibility on every job, it’s a role that requires both technical skill and creative thinking.
That’s why our lighting technician insurance is designed around the realities of the work. Whether you’re freelancing or part of a small production team, our cover is there when things don’t go to plan – helping with claims, disputes, and the unexpected.
The aim is simple: to give lighting technicians the confidence to focus on the job, knowing they’re backed by insurance that can grow with their work.”
Mandy Czyz – Senior Underwriter, Protectivity
How much does lighting technician insurance cost?
At Protectivity Lighting technician insurance start at £6.85* a month.
A cost-effective way to protect your livelihood, equipment, and reputation.
The cost of your policy depends on several factors, such as the type of work you do, the value of your equipment, whether you work at height, and whether you provide design or consultancy services. Adding optional extras like equipment cover, personal accident protection, or employers’ liability insurance could also increase your premium.
Ultimately, investing in lighting technician public liability insurance allows you to take on projects with confidence, knowing you’re protected and supported from potential unexpected costs.
Prices from
£6.85* a month
Explainer quote
Policy cost
£6.85* a month
Policy type
Lighting technician insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 05/02/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your light technician public liability insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Does my policy cover subcontractors or assistants?
Assistants employed by you (temporary, part‑time, or full‑time) require you to have Employers’ Liability insurance.
Subcontractors must hold their own insurance appropriate to the services they provide.
Does insurance cover electrical faults that stop a show?
No — electrical faults and loss of performance are not covered.
However, if an electrical fault causes injury or property damage, Public Liability may apply.
Show cancellation, downtime, or equipment failure alone is not covered.
Am I covered for international touring and overseas work?
Yes — with the Overseas Extension.
This add‑on provides:
Up to 30 days of cover abroad per year
Choice of Europe or Worldwide (excluding USA & Canada)
Work in the USA or Canada is not covered under any circumstances.
Legal expenses are also not applicable to the overseas extension, if you also select this as an addd-on.
What if my lighting rig injures performers or crew?
Public Liability can cover you for injury to third parties.
If your equipment injures a performer or a crew member who is not your employee, it falls under Public Liability.
If the injured person is your employee, the claim falls under Employers’ Liability (optional cover, up to £10m).
Does my policy protect my lighting equipment during transportation?
Yes — if you have added Equipment Cover.
Equipment Cover provides protection up to £25,000, including “new for old” replacement on items under three years old.
Transport is not excluded, so equipment in transit is covered unless the damage results from normal wear and tear.
Am I covered when working at heights or on scaffolding?
Yes — unless this activity falls outside your declared scope of work.
There is no specific exclusion for height or scaffolding.
However:
If working at height is not part of your declared scope, it may be classed as “expertise out of your scope of work,” which would not be covered.
Does insurance cover damage to venue property during installation?
Yes — if you have Public Liability cover.
Public Liability protects you if a third party’s property is damaged as a result of your work. Damage caused to a venue during installation falls under this protection.
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 22/01/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
ˆ10% introductory discount applies to the first-year policy premium only and is not available to current Creatives Insurance customers. Protectivity reserves the right to amend or withdraw this offer without notice. Available to UK residents only.
¹Based on live Feefo data