INSURANCE FOR COMPUTER STORES

Computer stores, like most retail stores, have liability exposures that are important to protect with Insurance policies. Which coverages are right for your
computer store? We will go over some of the basics to get you started.

INSURANCE FOR COMPUTER STORES – GENERAL LIABILITY

Every computer store should carry a General Liability policy for several reasons. Not all General Liability policies are the same, therefore it is important
to know what you are purchasing and which coverages are important. For computer stores, it is important to make sure that Products & Completed Operations is included on your General Liability. This coverage will protect you against claims that may arise from computer repair work you have completed.

INSURANCE FOR COMPUTER STORES – BUSINESS PERSONAL PROPERTY

Business Personal Property coverage can include coverage for your tools, equipment, computers, inventory, and many other items. This coverage is often very affordable and in many cases it can be endorsed on to your General Liability policy. If your computer store has expensive tools or diagnostic equipment, you can specifically schedule this equipment on to the policy to assure you can a full replacement in case of a covered loss.

INSURANCE FOR COMPUTER STORES – EMPLOYEES

Having employees requires some additional coverages that you will need to purchase. First off, Workers Compensation is important, and required by law to protect any employees that get injured or sick while working. If you have employees that drive their own vehicles to clients home you should add Hired
and Non-Owned Auto Liability to your General Liability, which is a very affordable endorsement. Alternatively, if your employees are driving a company car, you should have a Commercial Auto policy for the vehicles.

If you would like to learn more about the right coverages for your Computer Store, give us a ring! You can reach our Insurance producers at 925-297-4829.