FAQ Category: Sound Engineer Insurance

Under our Sound Engineer Insurance, sound engineers can get cover for a wide range of equipment essential to their work. This includes core studio and live audio gear, such as microphones, mixers, speakers, laptops, and other specialist audio equipment. The policy protects your equipment against theft, accidental damage, and while in transit to and from sessions or events, with reimbursements for repairs or replacements up to the selected cover limit, which can range from £2,500 up to £50,000. This ensures freelancers, small studios, and production teams can focus on their craft with confidence, knowing their gear is protected.

Protectivity’s sound engineer insurance can cover equipment damage at outdoor events and festivals. The policy includes equipment cover up to £25,000, and the protection applies to both indoor and outdoor events, including festivals and live performances. Coverage includes theft (provided reasonable precautions are taken), accidental damage, and loss during transit to and from the event.

However, it’s important to note that certain exclusions may apply depending on the specific circumstances of your event. Therefore, it’s advisable to review the policy documentation carefully to ensure it meets your specific needs.

Yes, our insurance for sound engineers includes public liability cover, protecting you if your equipment causes injury to someone or damages their property. The policy provides up to £5 million of cover, giving freelancers and small creative businesses robust protection. Note that this cover does not include damage to your own equipment, so adding equipment insurance is recommended for full protection.

Yes, the policy can cover hired or borrowed equipment, provided it is used for your work and reasonable precautions are taken. The policy protects against theft, accidental damage, and loss while in use or transit, ensuring that even temporary equipment is safeguarded during projects or events.

If you need to cancel a recording session due to equipment failure, Protectivity’s Sound Engineer Insurance can help cover the financial impact, depending on your policy and selected cover options. While standard equipment cover reimburses repair or replacement costs, some policies may also offer protection for losses caused by project delays or cancellations. It’s important to check your policy details to see what cancellation-related coverage is included.

Yes, Protectivity’s Insurance can provide cover when working internationally. Equipment and liability protection can extend to projects abroad, though it’s important to check your policy details for any country-specific restrictions or requirements.

Yes, the policy can cover your studio premises, including a home studio. Your equipment and liability are protected while working from home, ensuring your workspace and gear are covered just like in a professional studio.

Professional indemnity and public liability cover different risks for sound engineers:

• Professional indemnity protects you if a client claims financial loss due to mistakes, advice, or negligence in your work—such as a mix or soundtrack not meeting specifications.

• Public liability covers injuries or property damage caused to third parties, for example, if someone trips over your equipment at a studio or live event.

Together, they ensure both your professional decisions and your physical workspace are protected.