Official insurance program of the National Association of Broadcasters
APU's Radio & Television program from Amwins Underwriting offers a comprehensive, competitively priced insurance solution designed specifically for radio and television broadcast stations. The program addresses the unique exposures of broadcasters—towers and antennas, mobile broadcast units, live remotes, specialized equipment and software, and the business interruption risk that follows a loss—while providing flexible limits and broad capacity to handle both small and large accounts.
Highlights:
- Coverage forms and limits tailored to broadcasters’ needs
- Underwriting led by a team with 30+ years of media industry experience
- Capacity for both small-market stations and high-limit accounts
- Open brokerage — we work with independent agents
- Mobile broadcasting units available on a replacement cost basis
- Business interruption and special events coverage available
Coverages:
- Property / Inland Marine
- Building & Contents
- Towers & Antennas
- Business Interruption
- Broadcast Media Software
- Mobile Broadcasting Equipment
- General Liability
- Live Remotes
- Crime
- Automobile
- Umbrella
- Access to Workers’ Compensation market (excluding: OH, ND, WA & WY)
Overview — Amwins Underwriting Radio/Television Broadcasters Program
This program is positioned for agents who place broadcast risks and need an experienced underwriting partner with specialized forms and real capacity. Amwins Underwriting combines a media-focused underwriting team with access to AIG capacity to deliver tailored packages that include property, liability, inland marine and ancillary coverages important to broadcasters.
Ideal Accounts and Appetite
- Full-power television stations and multi-station radio groups (large and small markets)
- Stations with towers and antennas requiring dedicated tower coverage
- Clients that operate mobile broadcasting units or perform frequent live remotes
- Stations that require business interruption, special events coverage, or broadcast-specific software protection
Not a good fit: newly formed stations with limited operating history (see requirements), or accounts seeking quotas or proprietary terms not consistent with standard broadcast underwriting.
Coverage Advantages
- Broad set of broadcast-specific coverages — towers, mobile units, live remotes, broadcast software and inland marine.
- High limits and capacity for larger risks.
- Special events and business interruption available to protect revenue streams from downtime or event-related exposures.
Underwriting Notes & Minimum Premium
- Minimum premium: $2,500.
- Minimum eligibility: at least 5 years in operation.
- Standard submission requirements: completed industry applications, Radio & Television Broadcasters Supplemental Application, three-year currently valued loss history, and Driver Motor Vehicle Reports where applicable.
- Mobile broadcasting units are offered on a replacement-cost basis.
Territories and Availability
Available nationwide. Note: automobile coverage is not available in HI and MA. Workers’ compensation access is available through participating markets but excludes OH, ND, WA and WY.
Why Place Broadcasters with Amwins Underwriting
- Specialized underwriting team with deep broadcast experience — pragmatic, media-aware underwriting decisions.
- Open brokerage model — Amwins Underwriting works directly with independent agents and brokers.
- Market access and capacity (carrier partnerships include AIG) to support higher-limit placements.
Example accounts
- A regional TV station with owned towers, on-site studios and a mobile news van seeking combined property, tower and business interruption limits.
- A cluster of small-market radio stations that run frequent live remotes and need inland marine coverage for portable broadcast equipment plus liability for public events.
Next steps for agents
Submit a complete application package with the supplemental broadcast application, three years’ loss history, and MVRs where applicable. Amwins Underwriting will review for fit and respond with options for primary, excess and ancillary coverages. For product details, refer to the program page: APU's Radio & Television program.
Frequently Asked Questions
What types of broadcast accounts are a good fit for this program?
The program fits full-power TV stations, multi-station radio groups, stations with towers, mobile broadcast units and clients that need business interruption or special events coverage. Accounts should generally have at least five years in operation.
Which states and coverages are available?
The program is available nationwide. Automobile coverage is not available in HI and MA. Workers’ compensation access is offered but excludes OH, ND, WA and WY.
What are the basic submission requirements?
Provide completed industry-standard applications plus the Radio & Television Broadcasters Supplemental Application, three years of currently valued loss history, and Driver Motor Vehicle Reports when automobile exposures exist.
Is there capacity for larger limits or unique risks?
Yes. Amwins Underwriting has capacity to handle both small and large risks, including higher limits, and works with experienced carrier partners to place complex or high-limit accounts.
How are mobile broadcasting units handled?
Mobile broadcasting units are available on a replacement-cost basis and can be included as part of the property/inland marine package with appropriate limits and deductibles.
Need help placing an account? Connect with a market specialist.