Cable installer insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$32
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$32
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Cable Installer Insurance?
Your customers trust you to help them with all their cable installation needs, whether at home or in their office space. From understanding which cables connect to different devices to knowing the best way to approach installation and everything in between, your customers know you’re the right person for the job.
Below are some of the most common types of insurance policies that cable installers carry to stay protected.
What Type of Cable Installer Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$32
/month*
Contractor’s Equipment and Small Tools Insurance
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Kind of Insurance Do I Need for My Cable Installers Business?
When it comes to cable installer insurance, there are a variety of policies that, when bundled together, can protect you from some of the biggest risks and liability you may face in this industry. When thinking about your cable installer business’s insurance plan, we may recommend these three core plans as part of your overarching coverage:
Professional Liability Insurance
As we mentioned above, your customers trust you for all their cable installation needs. That includes knowing which cables to use with different devices, how to wire a home for cable installation, and more.
But what if you inadvertently recommend the wrong cable for an installation?
That’s where professional liability insurance (PL) can help you.
Professional liability insurance for cable installers can protect you and your business from various claims, if, say, a customer believes you were negligent in providing your services. Also, if you have a team of cable installers working for you, professional liability insurance can cover them as well.
What might PL insurance look like in action?
For example, imagine you’re at a customer’s house working on an installation. Later, you realize you choose the wrong cables while wiring up your customer’s house, which causes issues with other utilities in the home and ultimately yields financial problems for your customer. What happens next?
In this case, your professional liability insurance may cover the cost of the damage and the financial burden your customer experienced. This type of coverage means a cable installer likely wouldn’t need to tap into their savings or personal bank account to cover those costs, which is why it’s so important.
In short, here’s what professional liability coverage for cable installers can cover:
- Negligence or alleged negligence
- Legal defense costs
- Omissions or alleged omissions
- Claims and damages
- And more
Keep in mind that PL insurance usually doesn’t cover:
- Intentional acts and omissions
- Property damage
- Medical expenses
- Bodily injury
- And more
Commercial General Liability Insurance
Do you have an office building or dedicated space where customers meet you? If you do, it’s more than likely that you’ll need commercial general liability (GL) insurance. This type of insurance can cover costs related to third-party accidents, property damage, and bodily injuries to a third party, like a customer or vendor).
GL insurance is considered a foundational policy because it can protect you from major claims and fines. With the average customer injury or damage claim being $30,000, having general liability insurance to protect you is a smart business move. Because without general liability insurance, you may have to cover those costs — with your own hard-earned money.
How does general liability insurance work in real life?
Let’s say you’re at a customer’s house installing cable. While setting up a cable connection, you accidentally knock over their 75-inch TV, and it shatters. What happens next?
If you have general liability insurance, your policy can cover the cost of replacing the TV, as well as any legal fees if your customer sues you (up to policy limits).
To summarize, here’s what general liability insurance typically can cover:
- Bodily injury to another person
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- And more
Now here’s what general liability insurance usually doesn’t cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your employees
- Damage to your work
- Motor vehicles while in business use
- Expected or intentional injury or damage
- And more
Workers Compensation Insurance
You may be required to carry workers compensation insurance if you have full-time, part-time, or even temporary employees on your cable installation team. If an employee gets hurt or becomes ill while on the job, this type of insurance can cover the expenses related to those events.
The majority of states require business owners with employees to carry workers compensation in some capacity; check to verify your state’s laws.
Holding a workers compensation policy can be essential to running a thriving cable installation business. The average work injury cost is $41,000, and in 2018 alone, there was $170.8 billion worth of claims. That can get expensive quickly for a small business owner.
It’s essential to have workers compensation insurance as part of your overarching cable installer insurance plan, even if you have only a few employees.
For the most part, workers compensation for cable installers can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should I Get Insurance for My Cable Installation Business?
You understand why customers insure their technology and devices — if something breaks, it can be costly!
But maybe you aren’t sure if you need cable installer insurance right now. Or perhaps you’re just getting started as a business owner, and adding another expense to your list can be daunting.
The truth is, the amount you pay for your cable installer insurance policy can be a fraction of what you could end up paying if there was an accident or you’re taken to court. Business insurance can be essential to mitigating the liabilities you face, even if you’re at the beginning of your career or have a small team.
You may reduce your liabilities and risks, but that doesn’t mean they can’t or won’t happen. Below are some of the most common incidents that can happen to small business owners, including their average costs:
- Reputational Harm — $50,000
- Customer Injury or Damage — $30,000
- Customer Slip and Fall — $20,000
Those costs are nothing to overlook. However, if you protect your business with cable installer insurance, your plan could cover some or all of the costs of any claims or lawsuits you might be hit with.
Still not convinced? Did you know that 43% of small business owners claim they have either been threatened or involved in a civil lawsuit? In other words, you could do everything by the book, and your customer could still sue you for negligence or damages they’ve experienced since working with you.
Protect the business you worked so hard to build. Here at Simply Business, we make finding and securing the right insurance policies for your business simple. Answer a few quick questions about your business (so we can determine the right policies for you), and you can start comparing free quotes from the country’s top providers.
Plus, we can provide you with a certificate of insurance (COI), so you can show proof of coverage to customers, vendors, and more.
What Does Cable Installer Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Cable Installer Insurance Coverage Questions
Because business insurance can be a bundle of several policies, you may be required to carry some coverage, but not others.
For instance, perhaps your state requires you to carry workers compensation if you have employees, but not professional liability insurance.
In general, cable installer insurance premiums are income tax-deductible by the IRS. We recommend speaking to an accountant if you have questions about your business’s deductible expenses.
The amount of coverage your business may need will depend on a few factors:
- The size of your business
- Your business’s location
- Your annual revenue and payroll
- And more
If you aren’t sure how much insurance coverage you need, don’t stress. Our quote form is built to compare different insurance policies and coverage amounts (when available).
If you have questions, our licensed insurance agents are available to assist you.
If you’re ready to check out your free quotes, it’s a good idea to have the following information ready to make the process as quick as possible:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
It may, as your state may have different insurance requirements for cable installers than another state (especially when it comes to policies like workers compensation).
That’s why our quote process is so helpful when shopping for an insurance plan. Our platform can narrow down the policies that will provide coverage to you in your state, based on your needs and location, and let you compare prices and coverage limits of these policies.
Cable installer insurance depends on the policies you need to meet your business’s needs. If you opt for all three core policies — professional liability, general liability, and workers compensation, your insurance plan can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Negligence or alleged negligence
- And more
The cost of business insurance varies, depending on your business and its unique needs. For the most part, you can expect your insurance premiums to be determined by:
- Your employee count
- Your company’s location
- The type of cable installation services you provide
- Employee payroll
- Yearly revenue (estimate)
- And more
Ready to see how much your cable installer insurance may cost? Just click here and get free quotes from top insurers in the country.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
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Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
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It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
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Owner of Room to Breathe Professional Organizing
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We’ve Got More Helpful Information
9-minute read
A General Liability Insurance Guide for Small Business
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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