Insurance for Computer Repair Shops

Computer repair shops fix a wide array of issues when it comes to customer’s electronic devices. From diagnostic work, quick fixes, maintenance, data backups, and more, repair shops make their living solving problems. Although you may be a technology professional, your day-to-day work is not without risk. As a computer repair shop, it is important to have insurance in place to help in the event of an error or mishap.

Commercial Property for Computer Repair Shops

Commercial property insurance is a common coverage that every business should consider. This coverage can help protect your shop against certain types of physical damage to your building(s) and the contents within. The following are some of the assets commercial property can help insure:

• Your building
• Your furniture, such as tables, desks and chairs
• The equipment that your business runs on, like computers, specialized tools, etc.
• Outdoor signage, banners, and other materials
• Certain landscaping components

Cyber Liability

Cyber liability insurance helps to provide you and your business with protection in the event of a covered cyber event.  Cyber insurance can come in the form of first-party coverage (which responds when your own data or systems have been compromised) and/or third-party coverage (which responds when your customers’ data or systems have been compromised).  When there is a covered claim, and depending on what type of cyber policy you have, it can help with things such as data recovery and restoration costs, incident response and management, business interruption, and more.

General Liability for Computer Repair Shops

General liability insurance can help protect your shop from third-party personal injury and property damage claims allegedly caused by the negligence of your business and/or employees. This coverage also sometimes provides coverage for libel and copyright infringement.

Workers’ Comp for Computer Repair Shops

If your repair team is more than just you, consider Workers’ Compensation coverage. If you hire employees, it may be a state requirement where you live. Talk with your local agent today to see if Workers’ Compensation is needed for your business.

Commercial Auto Coverage

If you have vehicles used to transport your repair shop employees and equipment from job to job, a commercial auto policy is an important coverage to have. Commercial auto policies typically have higher coverage limits than personal policies.

Insurance Quotes for Your Computer Repair Shop

When it comes to choosing insurance coverages as a computer repair shop, it’s good to have choices and compare coverages. At Cross Insurance, we work with the nation’s leading carriers as well as regional insurers. Contact us to request a quote today.

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.