Pennsylvania Cable And Satellite TV Installer Insurance

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Get PA small business insurance quotes and info on costs, coverages, minimum requirements, certificates & more.

Types Of Small Business Insurance

  • Includes medical payments, legal representation, and defense against libel and slander accusations.
  • Bundles general liability insurance and commercial property into one affordable policy.
  • Provides financial protection if an employee has a job-related accident or illness.
  • Pays to repair or replace your business property if it's stolen, damaged, or destroyed in a fire or natural disaster.
  • Covers mistakes or alleged mistakes on your part (errors) & failures or alleged failures to perform a service (omissions).
  • Is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business.
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Frequently Asked Questions About Small Business Insurance


How much does general liability insurance cost?

In 2019, commercial general liability costs can vary widely based on industry. Businesses in higher risk industries pay more. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...

What types of business insurance do I need?

Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. It all depends on the risks your business faces. Read more...

How does general liability insurance work?

Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of common but unexpected risks. Read more...

What is a Certificate of Insurance?

A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
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Pennsylvania Cable And Satellite TV Installer Insurance Policy Information

PA Cable And Satellite TV Installer Insurance

Pennsylvania Cable And Satellite TV Installer Insurance. As a cable or satellite television installer, there are certain types of insurance that you're going to have to carry. Most of these insurance types are optional, at least in the sense that they are not required by law, but they are still absolutely vital to this type of business - and required by many of the large companies that hire installers.

Cable and satellite television installers are working with utility poles, sometimes high in the air or on roofs, and have access to people's homes. All of this means that you need as much protection as possible before you begin servicing customers.

Pennsylvania cable and satellite TV installer insurance protects your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now

Minimum Types of Insurance PA Cable And Satellite TV Installers

  • Business Income Insurance
  • Business Personal Property Insurance
  • Commercial Auto Insurance
  • General Liability
  • Inland Marine Coverage
  • Workers Compensation

Why You Need These Types of Insurance

Cable and satellite TV installers handle telecommunication services like installing cable or satellite TV for residences and businesses. They also can do telephone, data installation, and high-speed internet installation. Due to the nature of their job, they may be installing or upgrading services by entering tiny crawl spaces or attics, and are frequently on ladders when installing satellite dishes. They are also at risk for injuring themselves or others from working with electricity.

Let's take a look at some of the required Pennsylvania cable and satellite TV installer insurancetypes - and why you need them. And please note large cable & satellite TV providers like:

  • Comcast Xfinity
  • Time Warner
  • DirecTV
  • Charter Spectrum
  • Dish Network
  • Verizon FIOS
  • AT&T U-verse
  • Cox Communications

and many others require the independent contractor installers to carry certain types of commercial insurance to install for them.

General Liability

The first type of insurance is called general liability. General liability insurance is a type of insurance that covers you when things happen as part of your regular business tasks. For example, if you were to accidentally destroy someone's television or satellite setup and had to replace these electronics, general liability insurance may cover you. In addition, it covers things like damage from the installation of underground cables that interfere with electrical or sewage lines, accidents that happen at the actual business location and various other things that could make you liable in the lawsuit.

Inland Marine Coverage

Inland Marine insurance coverage is a certain type of Pennsylvania cable and satellite TV installer insurance coverage that is intended for businesses that do a great deal of their work mobile. Satellite and television cable installers have to travel to PA customers' homes to install satellite dishes, cable lines, cable boxes and more. Many satellite and television installers work exclusively out of their truck. All of their equipment is located in there as well. Inland Marine coverage covers things like damage to an installer's tools and equipment when they are out doing their job, theft of those tools and equipment and more.

Business Property Insurance

Business property insurance is important for companies that have a PA physical location that they do business out of. Property insurance protects companies from things like theft, fire, natural disasters and more. In the case of a cable or TV installer, there may not be much face-to-face time with customers at a physical location, but you are still going to have employees that work at that location including people that set up installer appointments or do customer service, administrative staff and storage of equipment for installers.

Business Income Insurance

The income from a satellite or cable installer business might stagnate at certain points and make it difficult for installers to respond to calls or do new installations because their equipment or tools were stolen or damaged. Business income insurance protects you against this. Although this is not required, and most people do not use this option to protect themselves against loss of income, with cable and TV installer job specifically, it can be a useful addition because there are so many variables that can control whether or not you get work.

Workers Compensation

If you have other employees that are installing cable or satellite dishes, or you have employees that work on site that do customer service or set appointments, then you may need worker's compensation insurance. Workers Comp protects employees who are injured on the job. This is especially important for cable and satellite TV installers, because the work can be dangerous. In addition, workers compensation insurance is actually required by law in most states if you have any employees that earn a salary or are paid by the hour.

Commercial Auto Insurance

You are definitely going to need commercial automobile insurance as a PA cable or satellite TV installer. Since you are going to be working out of your vehicle most of the time, commercial auto insurance is required. Business auto insurance protects you the same way that regular car insurance does, but it is specifically designed for people that use a vehicle for their job.

Satellite TV & Cable Installer Insurance Coverage

Some other types of insurance that you may want to consider include; equipment breakdown insurance, which keeps you safe in case of a major equipment breakdown that can cost you so much that your business cannot keep up, cyber liability insurance which is important if you are taking customer information like credit cards. employment related practices insurance which keeps you safe from suits like sexual harassment or discrimination and umbrella coverage which offers additional liability protection.

Pennsylvania Economic Business Outlook & Commercial Insurance Requirements

While you might have a fantastic idea for a business, if you aren't setting up shop in the right PA location, there's a good chance that you won't see the success that you hope to achieve. With that said, it's important that you have an understanding of the economic status of the state that you are thinking about doing business in. It's also important for you to know what type of rules and regulations regarding insurance are in place in that state.

Made In Pennsylvania

If you are thinking about doing business in the Commonwealth of Pennsylvania, keep on reading to find out some valuable information that you can use to make the best choices for your operation.

Pennsylvania's Economy Now And Into The Future

In terms of the economy, Pennsylvania's future looks pretty bright. It boasts the sixth largest economy in the United States. It is also home to some of the largest private and public organizations in the nation, as per sales.

The job market is expected to see steady growth in Pennsylvania during the 2019 calendar year. That rate is expected to be 1 percent, which is a marked increase from previous years. This is largely due to the high pool of educated laborers that reside in the state. Currently the unemployment rate is 4.9 percent, which is on-par with the rest of the nation. It is believed that the unemployment rate will continue to drop as more jobs are added.

For business owners, there are several industries that will afford success. The food products industry, particularly related to agriculture, contributes largely to the state's economy. This is expected to continue moving forward throughout the 2019 calendar year. Other industries that are forecasted to see growth include:

  • Education
  • Healthcare
  • Manufacturing
  • Mining
  • Printing & Publishing

If you are thinking about doing business in PA, working in one of these industries will likely afford you success.

Insurance Requirements For Businesses In Pennsylvania

The Pennsylvania Insurance Department regulates insurance in PA. Business owners are legally required to carry workers compensation insurance. This type of coverage is a must for any business that employs any W2 part-time or full-time employees, and for employees that are either hourly or salaried. You must also carry PA commercial auto insurance if you plan on using a vehicle to conduct anything related to your business.

While commercial liability insurance is not required in Pennsylvania, it is still a wise idea to invest in. This type of coverage will protect you from the cost of any lawsuits that could potentially arise.

Additional Resources For Contractors & Home Improvement Insurance

Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.


Contractors And Home Improvement Insurance

A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.

Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.

Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.

In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.

An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.

Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.

Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.

Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.


Request a free Pennsylvania Cable And Satellite TV Installer insurance quote in Aliquippa, Allentown, Altoona, Ambridge, Baldwin, Beaver Falls, Bellevue, Berwick, Bethel Park, Bethlehem, Bloomsburg town, Bradford, Brentwood, Bristol, Brookhaven, Butler, Camp Hill, Canonsburg, Carbondale, Carlisle, Carnegie, Castle Shannon, Chambersburg, Chester, Coatesville, Collingdale, Columbia, Connellsville, Conshohocken, Darby, Dormont, Downingtown, Doylestown, DuBois, Dunmore, East Stroudsburg, Easton, Economy, Elizabethtown, Ellwood, Emmaus, Ephrata, Erie, Franklin Park, Gettysburg, Glenolden, Greensburg, Grove, Hanover, Harrisburg, Hatboro, Hazleton, Hermitage, Huntingdon, Indiana, Jeannette, Jefferson Hills, Johnstown, Kingston, Lancaster, Lansdale, Lansdowne, Latrobe, Lebanon, Lewistown, Lititz, Lock Haven, Lower Burrell, McKeesport, Meadville, Mechanicsburg, Middletown, Millersville, Milton, Monessen, Monroeville, Morrisville, Mount Joy, Munhall, Murrysville, Nanticoke, New Castle, New Cumberland, New Kensington, Norristown, Northampton, Oil, Old Forge, Palmyra, Perkasie, Philadelphia, Phoenixville, Pittsburgh, Pittston, Pleasant Hills, Plum, Pottstown, Pottsville, Quakertown, Reading, Ridley Park, Scranton, Shamokin, Sharon, St. Marys, State College, Sunbury, Swissvale, Tamaqua, Uniontown, Warren, Washington, Waynesboro, West Chester, West Mifflin, White Oak, Whitehall, Wilkes-Barre, Wilkinsburg, Williamsport, Wilson, Wyomissing, Yeadon, York and all other cities in PA - The Keystone State.

Also learn about Pennsylvania small business insurance requirements for general liability, business property, commercial auto & workers compensation including PA business insurance costs. Call us (267) 296-1099.

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