If you make your living as an acoustic engineer, then listen up. Rhino are here to explain how our Acoustic Engineers Insurance can protect the financial interests of your business, help you attract new clients and stay within the regulatory boundaries of the industry – all at a low monthly cost.
Acoustic engineers, or acousticians if you’d prefer, help with the production, control and transmission of sound and vibrations.
Whatever your speciality within the industry, and however long you’ve been doing it, there is one thing that’s certain – you need insurance.
Acoustic Engineers Insurance will pay out for things like legal fees, out-of-court settlements and damages awarded that you’ll be legally liable to pay if something unfortunate happens.
Now, your profession may not be as obviously hazardous as underwater welding (for example) but acoustic engineering still comes with plentiful risks. Anything from falling from height, acoustic shock, electrocution and being hit by heavy equipment can completely derail your ability to make money as a self-employed individual.
Being hurt by a falling piece of equipment is just the beginning. Working in this field, you’re also at high risk of the following:
At Rhino, we are the trade insurance experts. We craft policies for self-employed professionals like you, which are tailored to your exact trade. Unlike so many insurance companies out there, Rhino understands the reality of what it means to go out there and do your job. This means we’re able to offer you protection exactly where you need it.
Let’s take a look at some of the key coverage areas of Rhino’s comprehensive Acoustic Engineers Insurance:
Public Liability Insurance
This is one of the most important insurance policies you can have as a self-employed professional. It’s what’s going to protect you from having to pay up for any injuries or damage – small or large – that you cause in the course of your professional work. Accidents happen, and that’s just the way life works. So, whether you want to take out a modest amount or play it safe with £5million plus in cover, Rhino are on hand to advise.
Professional Indemnity Insurance
This handy add-on policy will be your secret weapon against professional negligence claims. Did you have a bad day and rig an audio system incorrectly, leading to a client making a claim against your business? Don’t worry, Professional Indemnity Insurance will step in and cover the costs associated with putting everything right. This will protect both your finances and your reputation.
Personal Accident Insurance / Income Protection Insurance
An acoustic engineer needs to be physically present on every job, utilizing a wide range of equipment to install, test, repair and make safe the systems they’re working with. It’s work that requires you to be in good physical condition – it’s not a job you can dial in from home. If you had to stop work unexpectedly due to an accident, you’d find yourself having to cancel your upcoming work and lose out on the income.
Personal Accident Insurance and Income Protection Insurance exist to safeguard self-employed professionals who don’t have an employer’s sick pay policy to fall back on. They will pay a lump sum or regular monthly sum respectively, to keep you ticking over in comfort until you can pick up your tools again.
Employer’s Liability Insurance
If you employ others in your acoustic engineering business, you must have Employer’s Liability in your insurance bundle. It’s the law to have this in place, so non-negotiable. Don’t worry, though, Rhino make it easy and affordable. This policy is what’s going to cover your costs should an employee make a claim against your business for injury or property damage.
Tool Insurance
You wouldn’t get very far in your job without your meters, microphones and handheld multitools. If your full kit were to be lost, stolen or damaged beyond repair, then you’d find yourself having to shell out a lot to replace it all at once, or risk losing work.
With tool theft on the rise across the UK, it’s the time to act. Tool insurance does what it says on the tin – it covers your kit up to your chosen limit (up to £10,000) so you’ll never find yourself on the job empty-handed no matter what happens.
Not only is this insurance going to protect you from financial liabilities which could end up bankrupting your business (it can cost £1000s to £100,000s settle a third-party injury claim), it can also help you attract new clients, too.
This is because clients feel reassured when they see that you’re fully insured. Think about it, a client doesn’t want to absorb any of the risk of the job themselves, but that’s exactly what they’d be doing by hiring an inadequately or uninsured engineer. Ultimately, whether your target clients are individuals, government bodies or private companies, none are going to want to take a chance on someone uninsured.
And finally, some form of insurance (for example Public Liability Insurance and Professional Indemnity Insurance) is almost always the condition of a professional contract for an acoustic engineer. Having insurance in place means you will be able to secure more contracts and meet all the necessary regulations that clients need you to have before they hire you.
Different businesses have different levels of risk, which it sometimes takes an expert to adequately assess. For example, medium sized businesses may need higher indemnity limits compared to small businesses. You don’t want to find yourself underinsured (it’s a silent killer for self-employed trades businesses), so you might need to have a chat with the Rhino team to determine what’s best for you.
Remember, certain policies require a certain level of cover by law – for example if you have employees then you’ll need at least £5million in cover.
You can explore a quote on your own via our handy online quote engine, or if you’d rather speak to a friendly, no-nonsense expert then give the Rhino team a call on 0116 243 7904.
Without insurance, you’d have to pay up for third-party accidents, damage you cause and any settlements or damages due, either out of your business finances or your own pocket. No sensible businessperson would want to take this financial risk – which is the crux of why insurance is essential.
Acoustic Engineers Insurance offers protection to self-employed professionals against industry-specific risks and the cost of things going wrong. This includes accidents on site, personal accidents leaving you unable to work and damage you might accidentally cause. Your insurer will cover the costs (as per the agreed terms and policy wording), meaning your business is protected.
Yes. Rhino’s amazing flexible cover gives you the option to customize your package to your specific business requirements. You start by taking out our core Acoustic Engineers Liability Insurance, then adding low-cost policies as you see fit. So, the policies you choose, and their limits of indemnity are all up to you.
Acoustic engineers should assess the risks faced by their business and add insurance policies accordingly wherever they find their business is vulnerable. It’s important to know exactly which risks you face in order to put protection in place, so speak to an expert (such as the team here at Rhino).
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