Electronics Equipment Insurance for Business

What Is Covered Under Electronic Equipment Insurance?

Electronic equipment insurance coverage helps protect your business from common risks and claims that can come up during normal operations. This type of seguro de negocio can help protect:

Consumer products, like digital cameras or laptops
Communications equipment
Computer parts
Technological or electronics components

Who Needs Electronics Equipment Insurance?

Technology product manufacturers
Electronic device manufacturers
Technology components manufacturers
Electronics stores
Cell phone stores
Cell phone distributors
Technology product research and development
Office equipment and supply stores
Computer stores

Electronics Business Owner’s Policy

Many businesses get a Business Owner’s Policy (BOP) as a foundation for their electronics device insurance. It combines three essential types of coverage to help protect your electronics business from different claims. A BOP includes:

General liability insurance to help cover claims that your electronics business caused bodily injury or property damage to someone else.

Commercial property insurance, which can help protect the owned or rented building, equipment and tools you use to operate your electronics business. This includes:

Computers
Inventario
Tablets
Cell phones
Parts
Wires
Software

Business income insurance to help replace your electronics business’ lost income if you can’t operate because of covered property damage.

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.

Protect Your Electronic Property

You rely on your electronic property to help run a successful business. If there’s a theft or accidental damage, having electronics insurance is important to help cover costs to repair or replace property.

Property and liability claims are two of the most common types of losses that small business owners face.¹

Cracked Screens

“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 cover the costs to repair or replace damaged tools, equipment and inventory you use to operate.

Water Damage

“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.

Cover the Operations of Your Electronics Firm

Running an electronics business means you face unique risks. Adding the right type of electronics insurance to your protection plan can help you run a successful business.

Small businesses in the professional, scientific and technical services industries were hardest hit from data breaches in 2021.²

Customer Injury

“One of our clients was in our store to get his computer fixed. While walking around, he tripped on an extension cord and hurt his back.”

General liability insurance can help cover a person’s medical bills if your business caused an injury.

Electronic Data Breach

“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.

Take Care of Your Electronics Professionals

Your workers are an integral part to your electronics business success. If they get hurt or sick from their job, electronics insurance can help them recover and return to work.

There were 59,500 nonfatal occupational injuries and illnesses in 2020.³

Employee Injury

“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.

Car Accident

“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.

Easily Customizable Electronics Insurance for Your Business

Not all electronics insurance companies are the same. We’re an experienced insurance company that knows every electronics business has unique needs. It’s why we offer business insurance coverage that’s easily customizable. Our specialists are here to help you get the right coverage for your business. If you need help with a claim, you’ll want to partner with an insurer with great customer service so you know that if the unexpected happens, we’ve got your back.

Find out more about other technology professions we insure:

Electronics Insurance Made for Your Business

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

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For Larger Firms

Larger electronics firms typically require specialized insurance coverage.

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Última actualización: 9 de junio de 2022

¹ The Hartford, “The Hartford Reports: More Than 40 Percent of Small Businesses Will Experience a Claim in the Next 10 Years”

² Verizon, “Small Business Data Breaches: The Latest Findings”

³ U.S. Bureau of Labor Statistics, “Injuries, Illnesses, and Fatalities: Numbers of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2020”

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