Cable and satellite TV installation is a telecommunications job. Here the person’s job description involves installing satellite TV and cables for residences and businesses. It also involves data and telephone installation and recently high-internet speed. For you to become a professional in this industry, you must have proper academic c=qualifications and the relevant telecommunications license. Again, as an installer, you have risks that you must be wary of. Most of the time, you will be installing dishes in high areas where you have to use ladders to access small crawl spaces.
You may sometimes suffer from electrical shots caused by faulty electricity or the property you’re operating under may be damaged. If you were to pay for such damages from your savings, it can be punitively expensive for you and therefore that’s why you need installer insurance.
Following are types of cable and satellite installer insurances you can buy and guard your peace of mind
General liability insurance
As a cable and satellite TV installer, General Liability Insurance is one of the most appropriate insurances that you can benefit from. As the name suggests, the majority of risks that you have to contend with are covered. This includes any property damage claims that may arise as you do your installation; the client can also get injured as a result of your work and therefore you get a claim of negligence. For instance, you have climbed on the wall of a client’s house to install a satellite dish and accidentally you damage property, general liability insurance takes care of such.
Installer inland marine insurance
When doing your installation work, the tools or equipment you are working with may get spoilt or damaged. Some of the pieces of equipment are highly-priced which can be costly if you were to incur the cost. The inland marine policy is an excellent one; it will cushion you from such costs and ensure that you don’t have to replace the tools and equipment out-of-the-pocket.
Installer commercial auto insurance
Your job as a cable and satellite TV installer is to move around installing, repairing and checking whether they are functioning perfectly. Here, you use a company vehicle and this may be involved in an accident, maybe vandalized or even stolen. If that were to happen, then you’ll be covered by the commercial auto insurance. The cover also involves body injuries as a result of the accident.
Installer workers compensation
If you are a company or big business attending to many clients, you may be having workers to help you. Your job could be managerial, with so many employees assigned to different installation roles and sites. If your employee gets injured while on duty or damages your client’s property, it is your responsibility to pay the costs-this can drain you. Thus installer workers’ compensation policy comes handy. Any costs you incur as a result of the above occurrences, the cable and satellite TV installer insurance company will compensate affected parties.
Cable and satellite TV installation is a tricky and risky job and therefore, you need an appropriate insurance cover to ensure that you don’t suffer work-related loss.