Does FCC equipment authorization mean my headset is insured?

No. Equipment authorization addresses applicable radio-device marketing requirements; it does not establish an insurer’s coverage grant.

Provide the exact model, radio configuration, accessories, batteries, importer, manufacturing site, and sales territory for the quote. Keep authorization records associated with the model they cover.2,4

Then review the policy forms for named products, injury or property-damage terms, exclusions, limits, and any recall wording. Ask separately about hosted software and data.1

Read the Virtual and Augmented Reality Insurance Buying Guide

Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.

Updated 2026-09-28. Editorial Policy

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Create your account and submit an insurance request online.

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