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Business Insurance for Computer Retail Stores

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Why do computer retail stores need business insurance?

Every time a customer enters your shop, there's a risk of injury or property damage. Insurance helps pay for legal costs, medical bills, and costly repairs that could otherwise cripple a small computer store.

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Find the right insurance

TechInsurance helps computer stores find business insurance that matches their unique risks. Fill out our easy online application to get started.

6 insurance policies every computer retailer should consider

Landlords, clients, and state laws may require computer shops to be insured. Insurance mitigates losses in the event of fire, theft, lawsuits, and data breaches.

General liability insurance

General liability insurance icon

This policy protects computer stores financially against customer accidents and defamation lawsuits. It's often required for a commercial lease.

  • Accidental customer injuries
  • Accidental damage to customer property
  • Libel and slander lawsuits

Business owner's policy

Business owner’s policy icon

A BOP bundles general liability coverage with commercial property insurance. Small computer shops can save money on insurance when they choose this policy.

  • Accidental customer injuries
  • Accidental damage to customer property
  • Theft of computers and electronics

Workers' comp insurance

Workers’ compensation insurance icon

State laws usually require computer stores to carry this coverage as soon as they hire their first employee. It covers medical bills when an employee is injured on the job.

  • Medical costs from work injuries
  • Disability benefits
  • Lawsuits from work injuries

Commercial umbrella insurance

Umbrella / excess liability insurance icon

Umbrella insurance boosts the coverage on a computer retail store's general liability, employer's liability, and commercial auto insurance once the policy reaches its limit.

  • Lawsuits from slip-and-fall accidents
  • Employee injury lawsuits
  • Legal costs from auto accidents

Cyber liability insurance

Cyber liability insurance icon

This policy helps computer retail stores recover from data breaches and cyberattacks. It provides crucial coverage for small businesses that store credit card numbers and other personal information.

  • Customer notification costs
  • Fraud monitoring services
  • Data breach lawsuits

Commercial auto insurance

Commercial auto insurance icon

Commercial auto insurance covers the cost of accidents involving a computer store's delivery truck or other vehicle. Most states require this coverage for vehicles owned by a business.

  • Auto accident injuries
  • Property damaged by your vehicle
  • Legal costs from accidents

Insurance costs for tech professionals

An IT professional calculates insurance costs using a smartphone and clipboard.

Median costs come directly from policies purchased by TechInsurance customers.

General liability: $28 per month
Workers' compensation: $36 per month
View more sample costs.

Start a free application to see how much insurance will cost for your business.

Why computer shop owners choose TechInsurance

Protect against common risks

A lawsuit or data breach can devastate your computer store. Prevent financial losses with policies tailored for your needs.

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Protect against common risks
A lawsuit or data breach can devastate your computer store. Prevent financial losses with policies tailored for your needs.
Gain client confidence
Insurance shows customers your store is reliable, and some contracts even require it. View and print your certificate of insurance anytime with TechInsurance.
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Get answers to technical questions
TechInsurance has licensed agents who specialize in computer retailer business insurance in all 50 states. You’re assigned a dedicated account manager who’s ready to help.
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