Computer Repair Insurance
Coverage for computer repair businesses — where a service mistake can cost a customer.
What this coverage is intended to address
- ✓Allegations that a repair, diagnosis, or data error caused a customer a financial loss, addressed through professional liability insurance, also called Errors & Omissions (E&O) insurance
- ✓General liability for premises exposures, such as a customer injured in your shop
- ✓Defense costs in the event of a covered claim arising from repair services
- ✓Damage to customer equipment that may occur during servicing, subject to policy terms
Coverage products commonly considered
Most computer repair operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Hypothetically, a customer alleges that a repair resulted in lost data they had asked to be preserved, and professional liability / E&O coverage is intended to respond in the event of a covered claim.
- Hypothetically, a customer trips over a power cable at the service counter and is injured; general liability coverage may help respond to a premises claim of this nature.
Frequently asked questions
Why would a computer repair shop carry professional liability insurance?
Because customers can allege that a service mistake, such as data loss or a faulty repair, caused a financial loss. Professional liability insurance, also called Errors & Omissions (E&O) insurance, is intended to respond to such claims. General liability separately addresses premises risks. Terms vary by carrier and state.
Is damage to a customer's device an insurance concern?
It can be. Whether a policy is intended to respond to accidental damage during servicing depends on the form and exclusions; a licensed agent can confirm how a given policy is meant to apply.
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