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Computer System Integration Business Insurance
Computer Hardware Installation / Repair
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Why do computer system integrators need insurance?
Whether you install new programs or streamline legacy systems, you could be blamed for a malfunction. Computer system integrator insurance helps pay for legal costs if a client accuses you of negligence. It can also cover stolen equipment, data breaches, and auto accidents.
Find the right coverage
Insureon helps computer system integrators find insurance that matches their unique risks.
Get free expert advice and peace of mind knowing you have the right coverage for your profession.
What types of insurance do computer system integrators need?
These policies cover the most common risks of computer system integration.
Technology errors and omissions insurance
Tech E&O covers lawsuits related to professional negligence, such as an error that causes a client to lose data. It's also called professional liability insurance.
BEST FOR
- Budget overruns
- Data breach lawsuits
- Breach of contract
Cyber insurance
This policy covers costs related to a data breach on your own computer system. It’s recommended for businesses that handle credit cards, email addresses, and other personal information.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data breach investigations
General liability insurance
This policy covers lawsuits from accidents involving customers or their property, such as a dropped laptop. You may need it to sign a commercial lease, loan, or contract.
BEST FOR
- Client bodily injuries
- Accidental damage to client property
- Copyright infringement
Workers’ compensation insurance
Most states require workers' comp for computer system integration businesses with employees. It also protects sole proprietors from work-related medical costs health insurance might deny.
BEST FOR
- Employee medical treatment
- Disability benefits
- Workplace injury lawsuits
Commercial auto insurance
This policy covers costs if a vehicle belonging to your systems integration company is involved in an accident. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Fidelity bonds
A fidelity bond provides compensation for your clients if one of your employees steals from them or commits fraud. It's sometimes called an employee dishonesty bond.
BEST FOR
- Unlawful data access by an employee
- Illegal funds transfer by an employee
- Other instances of employee theft or fraud
Looking for different coverage? See more policies.
How much does insurance cost for computer system integrators?
A computer system integrator who works for clients independently will pay less for insurance than a larger business.
Factors that affect the cost of commercial insurance include:
- Type of work you do, such as workflow integration, software as a service (SaaS) or PC building
- Business property and equipment
- Business revenue
- Types of insurance purchased
- Policy limits and deductibles
- Claims history
How do I get computer system integration business insurance?
It's easy to get the right insurance coverage for your computer system integration business if you have your company information on hand. Our application will ask for basic facts about your 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 insurance quotes and choose a policy.
- Pay for your policy and download a certificate.
Insureon's licensed agents work with top-rated U.S. insurance companies to find coverage for businesses that offer automation and integration solutions, whether you work independently or hire employees.
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FAQs about computer system integrators insurance
Review common questions about system integration specialist insurance.
Do I need insurance if I’m a self-employed computer system integrator?
Yes, self-employed systems integration specialists face the same risks as bigger businesses, so they need a similar risk management strategy.
Here are the top reasons you need business insurance:
- It helps pay for legal costs. An E&O lawsuit can easily bankrupt a business like yours that offers professional services. Even if you did nothing wrong, you still need to hire a lawyer and defend yourself in court.
- You might need insurance for a lease, loan, or contract. Landlords, lenders, and clients might require your business to carry general liability insurance or other liability policies to ensure they won't end up paying for legal costs in the event of an accident.
- Personal insurance won't cover business-related claims. You might already have homeowner's insurance, health insurance, or personal auto insurance. However, these policies likely won't provide coverage for claims related to your work, such as an auto accident while you're driving to a client's office, or theft of business property.
- State laws sometimes require insurance. For example, most states require you to carry commercial auto insurance when your business owns a vehicle.
Sole proprietors can sometimes save money with insurance solutions that are unique to their risks. For example, you can buy hired and non-owned auto insurance (HNOA) to cover work-related driving in your own personal vehicle.
What other insurance policies do computer system integrators need?
The policies mentioned above don't cover every risk. Computer system integration specialists might also want to consider:
- Business owner's policy (BOP): A BOP combines general liability coverage with commercial property insurance at a lower cost than buying the policies separately. It covers both common lawsuits and property damage, but not every business is eligible.
- Business interruption insurance: If a fire, storm, or other covered property claim forces your business to close, this policy will help pay for lost profits and day-to-day operating expenses until you can reopen. It's also called business income insurance.
- Directors and officers insurance (D&O): This policy defends your company's board of directors and its officers against lawsuits related to decisions they made on behalf of your business.
- Employment practices liability insurance (EPLI): EPLI covers legal costs related to hiring and firing practices and employee rights, such as a lawsuit alleging age discrimination. Along with D&O insurance, it's a type of management liability insurance.
If you need help figuring out which policies you need, don't hesitate to contact an insurance agent. They can help you navigate the insurance industry and find the right coverage for your small business.