The Hartford doesn’t offer computer repair shop insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Computer Repair Business Insurance?
Computer repair insurance is made up of different types of business insurance coverages to help protect you from various risks. It’s designed to help safeguard your business against claims related to accidents, injuries or damages that can happen while you’re helping customers at your shop or in their home. As a technology professional, you know that a seemingly simple problem can sometimes turn into a much bigger issue. With computer repair business insurance, you can feel confident knowing you’re prepared for unexpected challenges.
The Hartford understands the unique risks your business faces. That’s why we help connect you with Tivly, so you can get the insurance coverage you need. Get a quote for computer repair insurance today.
Why Might I Need Computer Repair Business Insurance?
Insurance for computer repair businesses can help protect you from the unique risks that come with the trade, so you can focus on your customers without worrying about the what ifs. Here are some scenarios where insurance can help:
- Damage during repairs: If a customer's device is accidentally damaged while you’re working on it, insurance can help cover repair or replacement costs.
- Equipment theft: If your tools or devices are stolen from your shop or lost during a mobile service call, insurance can help pay to replace your essential gear.
- Client injury and liability: If a client trips or gets hurt in your shop, insurance can help cover your legal fees and pay for damages.
How Much Does Computer Repair Business Insurance Cost?
What you pay for computer repair insurance will vary because every business is unique. Insurance companies may base the cost of your coverage on many different factors, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- Coverage limits you select
The best way to find out your computer repair shop’s insurance costs is to get a free quote online through Tivly.
Computer Repair Business Insurance Coverages
When it comes to protecting your computer repair shop, you’ll want to ensure the coverage you choose matches your potential risks. You can start with a Business Owner’s Policy (BOP) and add more coverages based on your needs. A BOP includes:
General liability insurance to help protect your repair shop from claims that it caused bodily injury or property damage to others. For example, a customer might get hurt at your shop or a technician could damage a wall while at a customer’s home.
Commercial property insurance to help protect the owned or rented building you operate your repair shop from, as well as the tools, inventory and supplies you reply on. These can include:
- Screwdrivers, tweezers and pliers
- USB drives
- Multimeter
- Soldering iron
- Wire cutters
Business income insurance to help replace your lost income if you can’t operate temporarily because of covered property damage.
It’s important to remember that a BOP won’t cover every kind of claim. To get more protection, you can add other types of coverage, such as:
Workers’ compensation insurance to help support your employees as they recover from work-related injuries or illnesses. This coverage also helps protect you from the financial impact of lawsuits.
General Liability Insurance
“A customer slipped while bringing in their computer, and we had to call paramedics to make sure she was okay.”
General liability helps cover claims that your computer repair business hurt somebody else. It can help pay their medical bills or your legal costs if you get sued.
Professional Liability Insurance
“A customer sued me, claiming I destroyed their files when I replaced the hard drive in their computer.”
Professional liability insurance can help protect your repair shop from claims that you made a mistake in the professional services given to customers.
Workers’ Compensation Insurance
“Our repair tech suffered burns while using a soldering iron. He needed medical attention and had to take some time off to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and help replace lost wages if they can’t work.
Commercial Auto Insurance
“One of our technicians was on the way to pick up parts when he got into an accident in the company van.”
Commercial auto insurance can help protect you and your employees on the road when a using a business-owned vehicle for work.
Commercial Property Insurance
“Someone broke into the shop and stole a bunch of our gear. It took weeks to replace everything, and we had to delay jobs in the meantime.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Business Income Insurance
“There was an electrical fire in our shop, so we had to shut it down for repairs. Our income took a big hit.”
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate temporarily because of property damage from fire, theft, wind or vandalism.
Shield Your Shop With Computer Repair Insurance
Get a quote for business insurance to help keep your shop running smoothly. Explore your options through Tivly.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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