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Why do PC builders need insurance?
Your clients expect their custom-built gaming rigs and high-end PCs to work flawlessly, which is why insurance is essential. A system crash could cause costly losses, or a data breach could expose sensitive data. Business insurance covers lawsuits and losses caused by technical problems, along with injuries, theft, fires, and other risks small businesses face.
Find the right coverage
Insureon helps independent PC builders and startups 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 PC building businesses need?
These insurance policies cover the most common risks faced by PC builders.
Technology errors and omissions insurance
Tech E&O covers lawsuits related to the quality of your work, such as a new PC that short circuits because of excess thermal paste. It's also called professional liability insurance.
BEST FOR
- Failure to deliver a new PC on time
- Insecure app that leads to a data breach
- Wrong solid-state drive (SSD) or motherboard
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 customer accidents and product defects, such as a fire caused by a faulty power supply unit. You may need it to sign a commercial lease, loan, or contract.
BEST FOR
- Accidents that harm customers
- Defective products
- Lawsuits from social media posts
Fidelity bonds
A fidelity bond provides compensation for your clients if one of your employees steals from them or commits fraud. It's also called an employee dishonesty bond.
BEST FOR
- Employee theft or fraud
- Unlawful data access by an employee
- Illegal funds transfer by an employee
Workers’ compensation insurance
Most states require workers' comp for PC building businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Medical payments for work injuries
- Disability benefits
- Lawsuits from employee injuries
Commercial auto insurance
This policy covers costs if a vehicle belonging to your PC 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
Looking for different coverage? See more policies.
How much does technology business insurance cost?
A sole proprietor who builds gaming PCs independently will pay less for insurance than a larger business.
Factors that affect insurance pricing include:
- Products offered, such as PC cases, video cards, graphics cards, liquid cooling systems, and operating systems
- Business property and equipment
- Business revenue
- Insurance products purchased
- Policy limits and deductibles
How do I get PC building insurance?
It's easy to get the right PC building insurance if you have your company information on hand. Our insurance 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 policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurance companies to find coverage that fits your custom PC building business, whether you work independently or hire employees.
Common questions about PC building business insurance
How do I start a PC building business?
Knowing your way around circuit boards, central processing units, and other computer parts isn’t the only thing you need to launch a PC building company. You will also need to:
- Do market research and figure out a way to stand out from competitors
- Locate sources of funding
- Write a comprehensive business plan
Better preparation improves the odds of success, no matter your specialty. Read more about how to start an IT services business.
Do PC builders who work independently need insurance?
PC builders who work independently face many of the same risks as a bigger business, including E&O lawsuits. For that reason, they often need the same types of insurance coverage.
For example, you may need general liability insurance to sign a commercial lease, loan, or contract, and tech E&O to protect against lawsuits from dissatisfied customers.
Keep in mind that your personal insurance policies likely won't cover commercial activities. Homeowner's insurance may offer only limited coverage for business property, which is a reason to invest in commercial property insurance or a business owner's policy (BOP), which bundles general liability and property insurance at a discount.
If you use your own vehicle for work, you should consider hired and non-owned auto insurance (HNOA). This policy provides liability coverage when you drive a personal, leased, or rented vehicle for work purposes.
Finally, though workers' compensation isn't required for sole proprietors, it's a good idea to carry this coverage. Your personal health insurance likely won't cover injuries and illnesses that are related to your job.
What other insurance policies do PC builders need?
Depending on the specifics of your business, you may need additional coverage for your PC building business. For example, you may want to consider:
- Business owner's policy: A BOP combines general liability coverage with commercial property insurance at a lower cost than buying the policies separately.
- Employment practices liability insurance (EPLI): This policy covers legal costs related to hiring and firing practices and employee rights, such as a lawsuit alleging wrongful termination.
- Inland marine insurance: This policy covers movable property, such as computers in transit to a client's office or parts stored off site. Property insurance only covers items stored at your business address, which is why you need this coverage.
If you need help figuring out which policies you need, don't hesitate to contact an agent who can help you choose and buy coverage today.
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