Electronics Insurance: Coverage for Business Devices

small business owners happy being protected by electronics insurance from The Hartford

Electronics Insurance To Keep Your Business Powered

We know that working with technology and creating products puts electronics businesses at risk. That’s why we offer electronics insurance that can help you run a successful business.
 
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small business owners happy being protected by electronics insurance from The Hartford

What Is Electronics Insurance?

Electronics insurance is coverage that helps protect your business devices from common risks and claims that can come up during normal operations. This type of business insurance can help protect:
 
  • Consumer products, like digital cameras, wearable devices or laptops
  • Communications equipment
  • Laptops, tablets and smart TVs
  • Technological or electronic components
Electronic equipment insurance coverage

Who Needs Electronic Device Insurance?

  • Businesses with remote workers
  • Sales teams with mobile devices
  • Technology product manufacturers
  • Electronic device manufacturers
  • Technology components manufacturers
  • Electronics stores
  • Cell phone stores
  • Technology product research and development
  • Office equipment and supply stores
  • Computer stores

Insurance for Electronics

Many businesses get a Business Owner’s Policy (BOP) as a foundation for their electronics insurance. It combines three essential types of coverage to help protect your electronics business from different claims. A BOP includes:
 
  • Commercial property insurance, to help protect the owned or rented building, equipment and tools you use for business operations, including:
    • Computers
    • Inventory
    • Tablets
    • Cell phones
    • Parts
    • Wires
    • Software
  • General liability to help cover claims that your electronics business caused bodily injury or property damage to someone else.
  • Business income insurance to help replace your lost income if you can’t operate due to device failures or loss.

How Much Is Electronics Insurance?

The cost of electronics insurance varies, but here are the average amounts our customers with electronics businesses paid for common types of coverage:**
 
  • BOP: $1,917 a year, or $160 a month
  • Stand-alone general liability insurance: $915 a year, or $76 a month
  • Workers’ compensation insurance: $1,438 a year, or $120 a month
It’s important to remember that insurance costs vary because every business owner has unique needs. Insurers also use different factors to determine rates. The best way to find out how much electronics insurance will cost is to get a quote.
Consumer electronics insurance companies

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We know you need to show your proof of insurance to clients often. We’ve made it easy to get yours whenever you need it.

Protecting Your Property

You rely on your electronic property to help run a successful business. If there’s a theft or accidental damage, electronics insurance can help pay for repairs or replacement.
Consumers are increasingly opting for repairs over replacing electronic devices due to the high costs of replacement.1
Insurance for computer equipment

Commercial Property Insurance

“Someone broke into our computer store and broke a few monitors. We couldn’t sell them because of the cracked screens so we had to get them fixed.”
 
Commercial property insurance can help pay to repair or replace damaged tools, equipment and inventory you use to operate.
Electronic insurance policy

Business Income Insurance

“A pipe in the ceiling burst overnight and damaged our store’s inventory. We couldn’t open until they got our space cleaned out.”
 
Business income insurance can help replace your lost income if you can’t operate because of covered property loss or damage.

Covering Your Operations

Running a small business means you face unique risks. Adding the right type of electronics insurance to your protection plan can help you run a successful business.
In 2024, there were 3,059 data breach incidents with small and midsize businesses.2
Business laptop insurance coverage

General Liability Insurance

“While meeting with a client, one of my employees accidentally spilled their coffee across the client’s keyboard. The keys no longer worked, so the laptop needed to be replaced.”
 
General liability insurance can help cover damage to a customer or third-party’s property caused by your business.
Computer insurance

Cyber Insurance

“Our payment system got hacked and the hacker stole our customers’ banking information.”
 
If your business loses personally identifiable information, data breach insurance can help you respond to a breach. Some insurers call this cyber liability insurance.

Taking Care of Your Team

Your workers are integral to your electronics business’ success. If they get hurt or sick from their job, business insurance can help them recover and return to work.
There were 2.6 million nonfatal workplace injuries and illnesses in 2023.3
Computer insurance coverage

Workers’ Compensation Insurance

“One of my managers was running a machine in our manufacturing plant when his hand slipped. He cut his finger pretty bad and had to go to the hospital.”
 
Workers’ compensation insurance gives your workers benefits to help them recover from a work-related injury or illness.
Electronic device insurance

Commercial Auto Insurance

“Our delivery driver was on his way to a customer’s house to drop off their computer when he lost control of the company van and crashed.”
 
Commercial auto insurance can help protect your employees on the road if they use company-owned vehicles for business.

Personalized Electronics Insurance for Your Business

Not all electronics insurance is the same. We’re an experienced insurance company that knows every business has unique needs. Our specialists are here to help you get the right protection plan for your business. If you need help with a claim, you’ll want to partner with an insurer known for great customer service, so you can have peace of mind when unexpected events happen.
 
Find out more about other technology professions we insure:
 

Frequently Asked Questions About Electronics Insurance

On average, The Hartford’s electronics business customers paid about $1,917 a year, or $160 a month, for a Business Owner’s Policy (BOP).**
 
Keep in mind that insurance costs vary because every business has unique needs. Insurers also use different factors to determine your rates. The best way to find out how much electronics insurance will cost is to get a quote.
Electronics insurance is important, because it can help protect your business from having to pay out of pocket if your company’s electronic devices are damaged, hacked or stolen.
Electronics insurance companies

Electronics Insurance Made for Your Business

Get the protection you need to help keep your small business running successfully.
 
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Related Articles

 
 
Last Updated: January 14, 2026
 
1 Consumer Reports, “Cost Considerations Drive Consumer Repair Decisions”
 
2 Verizon, “2025 Data Breach Investigations Report: Small- and Medium-Sized Business Snapshot”
 
3 U.S. Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2023”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
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The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
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