Business · By industry · Audio visual companies
Audio visual company insurance should describe both your technical services and how equipment moves through the business. Separate gear you own, gear you hire and gear you rent to others. Then review transport, installation and operation alongside liability and other business coverage.
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For businesses operating in Washington, Idaho, Oregon or Arizona. Tell us every operating location and service, including work in other states. This guide helps prepare an insurance discussion; it does not establish licensing requirements or confirm that a business or activity qualifies for coverage.
General information vs. our service
What to review
Describe what the company actually does on a typical job and on unusual assignments. Include equipment supply, technical operation and any installation, rigging or staging work. Entertainment-service businesses can involve several types of property and liability insurance; the business name alone does not define the insured operations.
Source: Chubb, entertainment services and equipment rental businesses (accessed November 13, 2026)
Create three lists, even if the same equipment moves between roles during the year. Ask which property section, location limits and contract conditions apply to each. Equipment hired from another supplier should not be assumed to be insured simply because you signed its rental agreement.
| Equipment category | Questions for the proposal |
|---|---|
| Owned gear used by your crew | What items and values are insured at storage, in transit and at the job? |
| Gear rented from another supplier | What responsibility does the rental contract place on you, and does the proposed policy address it? |
| Your gear rented to customers | Is rental to others included, and does it matter whether you provide an operator? |
| Mixed packages | Can the equipment schedule distinguish your property from each supplier’s property? |
Explain the handoff and return process, who transports the gear and who controls it while away. Provide your customer rental agreement and describe how equipment condition and identity are recorded. Ask how the proposed insurance treats property in another party’s possession, late returns and contractual responsibilities.
Break the assignment into stages so responsibilities are visible. A delivery-only job is different from assembling, suspending or operating equipment. Ask the reviewer to confirm which activities fit the proposed terms, and refer technical safety decisions to qualified personnel.
| Stage | Information to prepare |
|---|---|
| Storage and transport | Storage locations, vehicles, carriers and overnight arrangements. |
| Load-in and setup | Who unloads, assembles, connects and checks the equipment? |
| Rigging or staging | Exact work performed, subcontractors involved and contractual responsibilities. |
| Operation and removal | Who operates the system, when your responsibility ends and how gear is returned? |
No. Damage to gear and an allegation that your business injured someone or damaged a venue are separate questions. Review equipment or property insurance alongside general liability, professional-services questions, auto and employee exposures as applicable. A list of product names is not a substitute for checking the actual forms.
Source: Chubb, entertainment services and equipment rental businesses (accessed November 13, 2026)
Prepare a consistent set of inputs before comparing prices: requested revenue and payroll information, service mix, equipment values, rental activity, travel and claims history. Ask about limits, deductibles, valuation and exclusions. NRG does not publish a standard AV premium here; the quote needs to reflect the work and property described.
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