Audio-Visual Consultant Insurance Coverage Checklist
The coverages an audio-visual consultant business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for independent audio/visual design consultants. Priorities reflect typical exposure for this class; confirm against your actual services, contracts, and clients.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (Design E&O) | Covers design and specification errors that cause delay or rework. | Core | |
| General Liability | Covers site visits and commissioning walk-throughs. | Core | |
| Contractual Liability Review | Covers broad owner indemnities E&O may not. | Core | |
| Workers' Compensation | Covers staff on construction sites. | Core | |
| Technology E&O / Cyber | Covers AV-over-IP and control-network design. | Prevalent | |
| Equipment Floater | Covers SPL meters, analyzers, and test gear. | Prevalent | |
| Hired & Non-Owned Auto | Covers travel to job sites. | Prevalent | |
| Umbrella | Adds limits over GL, auto, and employer's liability. | Prevalent | |
| Project-Specific Professional Liability | Covers large venues that require dedicated limits. | Situational | |
| Design-Build / Products Endorsement | Needed only if you sell equipment or lead design-build. | Situational |
The coverage gap most often missed
The gap most often missed by AV consultants is drifting outside the professional services definition. Consultants who occasionally buy equipment or lead design-build may find their E&O excludes products sold and construction performed, leaving that work uninsured. ADA assistive listening misses are another blind spot, since the retrofit cost is often uninsured.
Send us the checklist and we'll review your audio-visual consultant coverage line by line, then market it across multiple carriers that compete for your account.
Related: Audio/Visual Consultant Insurance · Audio-Visual Consultant Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an audio-visual consultant business need?
The core coverages for an audio-visual consultant business are Professional Liability (Design E&O), General Liability, Contractual Liability Review, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my audio-visual consultant coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.