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Computers and Electronics Distributor Insurance
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Why do electronics wholesalers need business insurance?
Wholesalers for electronics and computers have expensive inventory and clients who depend on timely shipments. Business insurance covers costs when a client sues over a delay, or a fire damages a warehouse. It also helps you comply with rental agreements, client contracts and state laws.
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What types of insurance do computer and electronics wholesalers need?
These insurance policies cover common risks for electronics wholesalers.
General liability insurance
This policy covers basic electronics wholesaler risks, such as customer property damage and injuries. Bundle it with commercial property insurance for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Workers’ compensation insurance
Most states require workers' comp for electronics wholesalers and distributors that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical costs
- Disability benefits
- Employee injury lawsuits
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one policy. It's often the most cost-effective type of business insurance for electronics wholesalers.
BEST FOR
- Customer injuries
- Inventory damage or theft
- Business interruption incidents
Commercial umbrella insurance
Once a policy’s limit is reached, umbrella insurance boosts coverage on an electronic wholesaler’s general liability, commercial auto, or employer’s liability insurance.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance for electronics wholesalers can pay for liability claims and property damage from an accident. It can also cover vehicle theft and vandalism.
BEST FOR
- Vehicle accidents
- Vandalism and theft
- Weather damage
Cyber insurance
A cyber liability policy helps computer wholesalers recover from data breaches and cyberattacks. It's recommended for any small business that stores credit card numbers or other sensitive data.
BEST FOR
- Customer notification costs
- Credit monitoring services
- Data breach investigations
Looking for different coverage? See more policies.
How much does insurance cost for wholesalers?
A small electronics wholesaler can expect to pay less for insurance than a larger business.
Factors that affect premiums include:
- Products and services offered by the wholesaler or distributor
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get computer and electronics wholesaler insurance?
It's easy to get business insurance and surety bonds for electronics wholesalers 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 policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your computer and electronics wholesale business, whether you work independently or hire employees.
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