Radio Broadcasting Stations

At Sprezzatura Insurance we believe that according to traditional insurance practices, the level of exposures and risks for broadcast radio stations are as follows:

Level of Risk Per-Line of Business: Low, Medium & High.

• Automobile Liability: Medium
• Automobile Physical Damage: Medium
• General Liability: Premises & Operations: Medium
• Broadcasters Liability: High due to possible slander, defamation of character, and invasion of privacy.
• Workers Compensation: Much higher with tower maintenance.
• Crime: Low
• Fire/Property: Medium
• Business Interruption- Higher due to possible loss of business to unforeseen circumstances and dependency on principle premises.
• Inland Marine: High, due to specialized equipment.
• Specialized Equipment

Based on ISO, AM Best, and others, the recommended class codes for radio broadcasting stations are:

Standard Industrial Classification Manual (SIC) Codes and Classifications

4832 - Radio Broadcasting Stations