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These repair shops fix radios, televisions, tape recorders, phonographs and other types of audio and video equipment. They may also install and repair antennas, and radio transmitting and receiving devices in buildings, vehicles and boats. These establishments may also sell audio and video equipment and parts. Radio and television repair shops may be independent shops or located within a larger video or audio equipment store.

General Liability Insurance for Radio and TV Repair Services – If customers visit the premises of radio and TV repair services, they could be at risk of injury especially if the area is hazardous. Also, if repair workers visit customers’ homes or workplaces for jobs, they would be liable for any damages they cause on the customer’s property. The shop could also be liable if a TV or radio is repaired improperly and causes a hazard such as a fire after the customer takes it home. In addition, employees who give faulty advice or instructions about radios or TVs can trigger a product liability exposure. Employees of radio and TV repair businesses should be properly trained before making such recommendations.

Workers’ Compensation Insurance for Radio and TV Repair Services – Workers are subject to variety of injuries, such as back injuries or hernias due to lifting TVs, electrical shocks and burns. Both formal training and on the job training should be provided to all employees of radio and TV repair businesses.

Business Auto Insurance for Radio and TV Repair Services – Automobile accidents may be a concern for TV and radio repair shops, especially if pick-up and delivery services are offered. These businesses should make sure that employees who are permitted to drive have good driving records and that the vehicles are properly maintained. Large items, such as TVs, should be well secured on delivery vehicles in order to reduce shifting and potential auto accidents.

Property Insurance for Radio and TV Repair Services – Due to soldering and the presence of electrical wiring, flammable materials and combustibles, there is a risk of fires occurring in radio and TV repair businesses. Also, the presence of valuable TVs and radios may make these repair shops a target for thieves. The same risk management controls outlined in the Crime section should be implemented to protect against theft of contents and equipment.

Crime Insurance for Radio and TV Repair Services – To prevent crime from occurring, radio and TV repair shops must regularly deposit cash and keep ordering, billing and disbursement activities separate. Some of the primary crime risks are holdups and theft by employees. Controls must be put in place to safeguard customer electronics against theft. The use of deadbolt locks, a central station alarm system, and bars around low visibility windows will help prevent burglary.