Why do TV and radio broadcasters need insurance?
Broadcasters face numerous risks. A visitor could slip on an icy front step and break a leg, or the subject of an on-air discussion could sue you for slander. Insurance for broadcasters and radio stations can cover costly lawsuits, data breaches, property repairs, and injuries.
Find affordable coverage
Radio and TV broadcasters can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of business insurance do TV broadcasters and radio stations need?
These insurance policies cover common risks in the broadcasting industry.
General liability insurance
A general liability policy covers customer injuries and property damage. Bundle it with commercial property insurance in a business owner’s policy for a discount.
- Damaged client property
- Client injuries
- Fulfilling terms of commercial lease
Media liability insurance
This broadcasters' liability insurance covers legal costs from accusations of slander, libel, and copyright infringement. It's sometimes referred to as professional liability insurance.
- Lawsuits alleging defamation
- Copyright infringement
- Errors and omissions
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for small broadcasting businesses to purchase general liability coverage and commercial property insurance together.
- Damaged client property
- Slip-and-fall injuries at your studio
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp for broadcasting companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical bills
- Disability benefits
- Lawsuits from employee injuries
Cyber insurance
This policy helps radio and television broadcasters pay for expenses if they are hit by a cyberattack or data breach. It's recommended for any small business that handles personal information.
- Data breach notification costs
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
Commercial auto insurance helps cover costs if a vehicle owned by a broadcasting studio is involved in an accident. It's usually required for business-owned vehicles.
- Property damage caused by your vehicle
- Injuries caused by your vehicle
- Vehicle theft or vandalism
How much does insurance cost for media and advertising professionals?
A small radio station will pay less for insurance than a larger broadcasting business.
Factors that affect premiums include:
- Type of business, such as radio, TV, or advertising
- Broadcasting equipment, such as antennas and mics
- Business income
- Types of insurance purchased
- Policy limits and deductibles
Why do broadcasters need insurance?
It's easy to get broadcasting business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your broadcasting business, whether you work independently or hire employees.
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