Audio Visual Technician Insurance
Specialist cover for audio visual technicians from £4.47* per month.
- Public liability for AV technicians
- Get an instant quote online
- Equipment Cover
- Join over 180,000 customers**
From only £4.47* per month
Save 10% Onlineˆ
What does insurance for audio visual technicians cover?
Audio visual technicians’ insurance includes public liability insurance up to £5 million, safeguarding you against claims for accidental injury or property damage.
Policies are flexible and can be tailored to your business, with optional extras such as audio visual equipment cover, professional indemnity, personal accident protection, and legal expenses.
As always, make sure your cover matches the work you undertake, and check policy documents for any exclusions.
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 gets injured during a session or has their property damaged.
Professional Indemnity
- From £250,000 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 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 Europe 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
- Hiring out equipment
- Training provided to another party that isn’t an employee
- 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 policy documentation.
Why do audio visual technicians need insurance?
As an audio visual technician, there may be times when you advise clients on their audio or visual equipment set‑up. If that advice is incorrect and the client suffers a financial loss as a result, professional indemnity insurance may cover the claim because the loss arose from your professional advice.
With the right audio visual insurance in place, you are protected if a client or third party brings a claim against you. Cover such as audio visual public liability insurance helps safeguard your reputation, equipment, and income.
Insurance for audio visual company operations can cover a wide range of risks, so you can continue your work with confidence.
Public liability cover
While working at an event, you might accidentally damage a fixed display at a venue. In this situation, the venue may seek compensation for the cost of repairs or replacement.
Audio visual public liability insurance protects you from the legal and financial consequences of these types of claims, so you are not left to cover the costs yourself.
Professional indemnity insurance
The client suffers a financial loss when the event cannot go ahead as planned. Professional indemnity insurance may cover the claim because the loss arose from the technician’s professional advice or specification error.
Equipment cover
Your audio visual equipment is essential to your work. Replacing items such as sound systems, projectors, or lighting due to damage or theft can be costly and disruptive.
Insurance for audio visual equipment helps you recover quickly by covering damaged or stolen items, keeping your projects running smoothly and your clients satisfied.
Personal accident cover
Audio visual work often involves physical effort, from carrying heavy equipment to long hours on your feet and working in demanding environments. If you are injured and unable to work, your income could be affected.
Personal accident cover within your audio visual technician insurance provides financial support while you recover, helping protect your income during time off.
Proof of liability cover
Many venues, event spaces, or client locations require audio visual technicians to show proof of audio visual public liability insurance before working on site.
This ensures that if accidental injury or property damage occurs during an event or installation, there is appropriate cover in place. Having the right audio visual insurance not only meets these requirements but also helps you secure more professional work with confidence.
Our experts explain why...
“Working as an audio visual technician involves more than just setting up equipment. It means managing complex systems, working in fast paced environments, and delivering seamless experiences for clients. From supporting live events to handling installations under tight deadlines, audio visual professionals face a unique mix of technical and logistical challenges every day.
That is why our audio visual technician insurance has been developed with flexibility and real world protection in mind. Whether you are a freelancer or running an audio visual company, our audio visual insurance helps protect you from unexpected incidents such as property damage, injury claims, or disputes over your work. It is designed to grow with your business, with options like insurance for audio visual equipment and personal accident cover.
Our goal is to give you the confidence to take on every project knowing you are properly protected. With the right cover in place, you can focus on delivering reliable, professional results while we help manage the risks behind the scenes.”
Chris Trotman, Protectivity Underwriting Manager
How much does AV technician insurance cost?
At Protectivity policies start at just £4.47 per month.*
Audio visual technician insurance is a smart investment that protects your business and gives you peace of mind, often for less than the cost of replacing a single piece of equipment each month.
Several factors can influence the overall audio visual public liability insurance cost. If you use high value equipment, work across multiple venues, or operate as part of a larger team, your premium may be higher to reflect the level of risk and cover required. Optional extras such as professional indemnity, insurance for audio visual equipment, personal accident cover, or employers liability can be included to suit your specific needs.
Prices from
£4.47* a month
Explainer quote
Policy cost
£4.47* a month
Policy type
Audio Visual Technician insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 15/04/2026. 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 AV technician insurance?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 policyholders.
Experienced insurance providers for over 30 years.
5* reviews from 3,500+ customers.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
On average we answer your phone calls in under 2 minutes
Frequently
Asked Questions
What insurance do I need for my audio visual business?
You typically need public liability insurance as a core cover, along with optional extras such as professional indemnity, equipment cover, personal accident, and employers liability depending on your setup.
Am I covered if my AV equipment is damaged, lost, or stolen?
Yes, if you add equipment cover. This can cover theft, loss, or accidental damage and may replace items on a new for old basis within the policy limits.
Does my insurance cover equipment while in transit to and from events?
Yes, equipment cover can include protection while transporting gear to and from events, subject to policy terms and limits.
What happens if my equipment malfunctions and disrupts a client’s event?
Professional indemnity cover can help with legal costs and compensation if a client claims financial loss due to errors, negligence, or failure in your work.
Am I covered for working at weddings, conferences, and festivals?
Yes, public liability insurance covers you for injury or property damage claims while working at events and client locations.
Does my AV insurance cover hired or rented equipment as well as owned kit?
Equipment cover generally applies to items you insure under the policy. You should check your policy wording to confirm whether hired or rented equipment is included, as this can vary.
Am I covered if I accidentally damage a venue’s property or electrical systems?
Yes, public liability insurance covers claims where you are responsible for accidental property damage to third parties.
What happens if my equipment causes injury to someone at an event?
Public liability insurance protects you against claims for injury caused to third parties, including incidents involving your equipment.
Does my insurance cover drones used for videography or live streaming?
Unfortunately, our policy does not cover for any liability caused by the ownership, possession or use of any aircraft.
Am I covered for international work and overseas events?
Yes, we provide an overseas extension that allows you to work abroad for a limited period, typically up to 30 days, depending on the level of cover selected.
Does my insurance cover data loss or accidental deletion of client footage?
No, damage to electronic data is listed as an exclusion, so this would not usually be covered under standard policies.
Am I covered if severe weather damages my outdoor equipment during an event?
Equipment cover can include accidental damage at events, including outdoor use, but cover depends on circumstances and policy conditions, so it is important to review the details.
Does my AV insurance cover subcontractors or freelancers working with me?
If you employ staff, employers liability can cover claims relating to employee injuries. However, cover for subcontractors or freelancers may vary, so you should check your policy to ensure they are included.
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 15/14/2026. 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