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Insurance for Computer Repair Businesses
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Computer Hardware Installation / Repair
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Why do computer repair and installation businesses need insurance?
Accidental damage to a client’s computer could have major repercussions. Computer repair insurance provides financial protection against lawsuits, theft, and other risks. Some policies may be required by clients or state laws.
Find the right coverage
Insureon helps computer repair and installation businesses find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right type of coverage to protect against common financial losses.
What types of insurance do computer repair technicians need?
These insurance policies cover the most common risks of computer repair.
Technology errors and omissions insurance
E&O, also called professional liability insurance, covers lawsuits over work quality, such as missing a repair deadline. You can often add intellectual property and media liability coverage.
BEST FOR
- Missed deadlines
- Failure to deliver promised repairs
- Work errors and oversights
Cyber insurance
A cyber liability insurance policy helps computer repair businesses survive data breaches and cyberattacks. It's recommended for any business that handles sensitive information.
BEST FOR
- Data breach legal fees
- Client notification expenses
- Fraud monitoring costs
Fidelity bonds
Fidelity bonds provide reimbursement if an employee at your computer repair shop steals from a customer. They're also called employee dishonesty bonds.
BEST FOR
- Unlawful data access by an employee
- Illegal electronic funds transfer
- Other employee theft or fraud
General liability insurance
This policy covers basic risks, such as an employee spilling coffee on a client’s laptop. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Slander and other personal injuries
Workers’ compensation insurance
Most states require workers' comp for computer repair businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Missed wages
- Legal costs
Commercial auto insurance
Commercial auto insurance can pay for property damage and medical bills in an accident involving your computer repair van. It also covers theft and certain types of damage.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Looking for different coverage? See more policies.
How E&O insurance protects your business
View video transcript.
No, no, no! My client's network was working just fine last week!
You made a mistake, yeah, you made a mistake. You made a mistake, and it doesn't matter what you say. You missed the boat, now you will have to pay!
Actually, you have errors and omissions insurance. It covers legal costs if you make a mistake and your client sues you.
Mistake! Mistake! Ohhh, this was a mistake! Mistake! Mistake! Ohhh, this was a mistake!
You can get all the coverage your business needs by following this link. Protection is peace of mind!
How much does technology business insurance cost?
A small computer repair shop with a few workers will pay less for insurance than a large repair store.
Factors that affect premiums include:
- Services offered
- Business property and equipment
- Business income
- Types of business insurance coverage purchased
- Policy limits and deductibles
How do I get computer repair and installation business insurance?
It's easy to get computer repair and installation business insurance if you have your company information on hand. Our insurance application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare business insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. providers to find coverage that fits your repair shop, whether you work independently or hire employees.
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