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Smoke, tobacco, and vape shopsCompare insurance quotes for electronics stores
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Business Insurance for Computer and Electronics Stores
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Save money by comparing insurance quotes for electronics stores
From burglaries to employee injuries, your electronics store faces daily risks. Protect your shop with affordable insurance that covers inventory replacement, medical bills, and legal expenses.
Multiple quotes with one application
Owners of computer and electronics stores can compare insurance quotes from top U.S. carriers online with Insureon. Fill out one application to receive multiple quotes.
What types of insurance do computer and electronics stores need?
These policies cover common risks faced by electronics stores.
Business owner’s policy
A BOP bundles general liability and commercial property insurance in one plan. It's often the most cost-effective type of insurance for computer and electronics retailers.
BEST FOR
- Customer injuries
- Damaged business property
- Business interruption incidents
General liability insurance
General liability insurance covers common risks, such as customer property damage and injuries. Bundle with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Workers’ compensation insurance
Most states require workers' comp for computer and electronics stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Cyber liability insurance
This policy helps computer and electronics stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
Commercial umbrella insurance
Once a policy’s coverage limit is reached, umbrella insurance (similar to excess liability insurance) boosts coverage on general liability or employer’s liability policies.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Commercial auto insurance
Most states require commercial auto insurance for business-owned vehicles. This policy covers accidents involving a computer shop's delivery van or other vehicle.
BEST FOR
- Damage to another vehicle
- Injuries caused to another person
- Repairs due to vandalism or weather
Looking for different coverage? See more policies.
Why do electronics stores need insurance?
Your electronics store faces daily risks including theft, damaged inventory, customer slip-and-fall injuries, and employee injuries. Small business insurance, such as property insurance for computers and other products, can safeguard your shop from legal battles or replacement costs after a burglary.
How much does insurance cost for retail businesses?
Several factors will have an impact on insurance costs, including:
- Retail services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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