Computer Repair Business Insurance

No matter what the scope of your Computer Repair Business operation, Tomins has you covered.

At Tomins, we understand that working with other people’s valuable electronics and data is risky business.

Whether you specialize in phone repair, computer repair, data recovery, or all the above, the last thing you need is another thing keeping you up at night. That’s why we take the time to understand the unique needs of your specific business to make sure you’re getting all the coverages you need and none that you don’t.

Tomins—because you deserve an insurance partner who works as hard as you do.

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Do I Really Need Computer Repair Insurance?

The high value of electronics in general is reason enough to carry insurance for your Computer Repair business.

Adding the considerable liability of working with sensitive personal and financial data to the equation, Computer Repair Insurance is something most businesses cannot afford to skip out on.

From a cyber-attack to a power surge, the risks that threaten your bottom line as a Computer Repair business are far too common to ignore.

In the face of a loss, the right Computer Repair insurance can easily spell the difference between a smooth recovery and being forced to close your door for good.

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Closup of the hands of the owner of a computer repair business with tan complection wearing a long sleeve demin shirt working on an open laptop with a small screwdriver

Which Computer Repair Insurance Coverages Do I Need?

Almost all businesses should carry General Liability Insurance, and Computer Repair businesses are no exception.

This coverage can help protect your business from the cost of lawsuits filed by third parties.

Because Computer Repair businesses tend to own expensive tools and equipment, Commercial Property Insurance is another important coverage to consider. From your physical property and shop to the valuable assets stored within, our coverage helps protect the cornerstones of your business by considering the damages of someone else’s property that is in your possession.

If Murphy’s Law has anything to say about it, there will come a time when your Computer Repair business ends up having to file a claim.

Enter Business Income Insurance.

This coverage can help reimburse you for any income lost as a result of a covered claim interrupting your operations. For a Computer Repair business owner interested in all the above-mentioned coverages, a Business Owner’s Policy (BOP) or Commerical Package can be a great way to save money on premiums.

This coverage package usually bundles these three basic coverages:

  1. Computer Repair General Liability: General Liability insurance is important for all businesses to carry. This coverage can help cover financial damages incurred as a result of third-party lawsuits.
  2. Commercial Property Insurance: This coverage can help with the cost of replacing damaged or lost property, buildings, and equipment.
  3. Computer Repair Business Income Insurance: This coverage lives within a Commerical Property Policy and can help protect a Computer Repair firm against a loss of income suffered during a covered interruption of business operations.

There are many other options to consider when deciding on the specifics of your policy.

Talk with a Tomins Computer Repair Insurance expert today to learn more about the coverages that make sense for your business.

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Other Computer Repair Insurance Coverages to Consider

As aforementioned, the fact that you work around the sensitive personal data of others carries significant liability.

With this in mind, Tomins recommends almost every Computer Repair business we serve to seriously consider Cyber-Liability, Technology, and Data Recovery coverages.

A few other important coverages for a Computer Repair business to consider include:

Equipment Breakdown

This coverage helps pays for repairs or replacements for equipment when it stops working or is damaged. 

Property in Transit

If you travel with or pick up/deliver customer equipment, you probably need Property in Transit coverage. Also known as Inland Marine Coverage, this insurance is designed to help your business with the cost of damaging other people’s property during transit. The previously mentioned Bailees Coverage is a type of Inland Marine Coverage.

Employment Practices Liability

If your Computer Repair business has employees, EPLI is an important coverage to carry. This insurance can help protect against the cost of lawsuits filed for sexual harassment, improper hiring, discrimination, slander, and more. 

Umbrella Coverage

Umbrella insurance can protect a Computer Repair business beyond the payout limits defined in their standard policy.

Workers’ Comp

Workers compensation insurance is another critical coverage for Computer Repair businesses with employees to consider. This insurance can cover the costs of an injured employee, helping with everything from medical expenses to wages and legal costs.

As the needs of each Computer Repair business are different, the best way to know the coverages that make the most sense for yours is with the help of a Tomins Insurance expert.

Isn’t it time you had an insurance partner that works as hard as you do? 


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What Does Computer Repair Business Insurance Cost?

In short: there is no ‘one-size-fits-all’ answer to this question.

Unlike many other firms, Tomins actually takes the time to understand your unique business so we can offer you the right coverage at the right price.

Get your free custom-tailored Computer Repair Insurance Quote today.

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Before You Apply…

We work hard to be the best in the Computer Repair insurance business.

With that in mind, we ask that you gather the following information, to help us provide the most competitive quote possible:

  • Business address and tax ID 
  • Income for your most recently completed fiscal year 
  • Number of employees you currently employ
  • Information about other insurance you currently hold
  • Volume, nature, and storage method tenant or client data  
  • Proof of professional licensing and other relevant certifications or permits  
  • History of past claims (at least three years) 

TOMINS—mindful insurance today, successful computer repair business tomorrow.

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