Cable and satellite TV installers handle telecommunication services, such as installing cable or satellite TV for residences and businesses, as well as telephone, data installation, and high-speed internet installation. This can be a satisfying career for individuals that have had proper education and training in the telecommunication field. Along with the success of their business, a cable and satellite TV installer also has a number of risks to be wary of. Due to the nature of their job, installers of cable and satellite TV may be installing or upgrading services by accessing small crawl spaces and on ladders especially for installing satellite dishes. They may also risk harming themselves from electrical shorts or malfunction, as well as property damage to the residence or commercial building. Due to the many dangers of this occupation, cable and satellite TV installer insurance is essential to the success of the business.
Types of Cable and Satellite TV Installer Insurance
As a cable and satellite TV installer you have many different insurance policies to choose from. In order to cover all of the risks you are exposed to with your chosen profession, it’s important to obtain the right types of insurance for full coverage.
One of the most comprehensive and beneficial insurance policies to have as a cable and satellite TV installer is general liability. General liability will do just as its name suggests; cover the majority of risks you have to contend with. This includes claims that may arise if a client’s property is damage, if a client sustains personal injury, and if you get a claim of negligence. For example, if you’re installing a satellite dish on a client’s balcony and during installation, there is some property damage, general liability insurance will cover the cost of damages.
Inland marine insurance will offer coverage for your tools and equipment in the event that they become damaged or stolen either when they are stored, while driving to a client’s home or business, and while they are on the job site. For cable and satellite TV installers, inland marine insurance is a great policy to have because the equipment and tools you use are very expensive; you don’t want to have to cover the costs of replacing them out-of-pocket.
Cable and Satellite TV Installer Commercial Auto Insurance
Your job requires you to visit client’s place of business or residences, so that you are using a company vehicle for most of your day. This opens you up to risks involved with driving, such as vehicle accidents, vandalism, and theft. If one of these were to occur while driving your company vehicle or while it was parked at the client’s home, the damages are covered by commercial auto insurance. This includes bodily injury and damage to the vehicle as a result of an accident, as well as coverage for theft or vandalism.
Cable and Satellite TV Installer Workers Compensation
Installing cable or satellite television can be a risky job in regards to personal injury so it’s important to obtain worker’s compensation insurance for your employees. It is required by law in many states because of its high level of importance. If you have worker’s compensation for your employees, any injuries they receive on the job will be covered by the policy. This means that if an employee falls of a ladder while installing satellite TV on a client’s roof, their medical bills are covered by worker’s compensation.
As a cable and satellite TV installer, it’s essential that you protect yourself and your business assets with the right kind of insurance. Cable and satellite TV installer insurance exists to provide you with coverage for all of the risk exposures of your daily job duties.