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Computer repair insurance

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What's on this page

Why do you need computer repair business insurance?

Computers aren’t just expensive kit – they’re relied on by so many people as a source of income and connection. If you’re being trusted to fix someone’s machine, the risk of damage and other liability can be significant. A computer repair liability insurance policy is designed as a backstop for potential claims and legal fees.

  • insurance for computer repair business risks – including public liability
  • rated 4.7/5 based on 39K+ public liability customer reviews
  • optional personal accident cover, in case an incident stops you working
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What does computer business insurance cover?

Typically, we’ll start with public and product liability insurance, designed to cover computer repair specialists against claims for third party property damage and injury. Most quotes also build in professional indemnity insurance for negligence claims or errors which cause your clients a financial loss. From there, you can add cover for your equipment, legal expenses, and personal accidents, depending on your business needs.

Public liability insurance for computer repairs

In case your repairs business or products cause an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your repairs business
  • an injury or illness caused by your business activities
  • accidental damage or injuries caused by your employees

For example:

  • a customer trips over a cable while collecting their computer from your premises, breaking their knee
  • you drop a customer’s laptop on the pavement while speaking to a delivery driver, damaging it beyond repair

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • an employee pulls a muscle in their back while moving heavy computer equipment for you
  • your office manager traps their hand in a door you’ve been meaning to fix

Professional indemnity insurance for computer repairs

In case there’s a claim for loss-causing errors or issues with your work.

What’s typically covered by professional indemnity insurance?

Claims against your computer repair business for professional negligence or a loss-causing breach of contract. This can include:

  • advice which turns out to be incorrect
  • mistakes in your work that cost others money to fix

For example:

  • you repair your client’s computer and recommend a software installation which contributes to a data leak, causing your client a financial loss
  • an employee forgets to re-install virus protection on a client’s computer and they get hacked, causing a financial loss

Read more about professional indemnity insurance

Business and office equipment insurance

In case something happens to the equipment you rely on.

What’s typically covered by business and office equipment insurance?

  • accidental damage to the equipment you use to run the business
  • theft, flood, and fire damage

For example:

  • someone breaks into your business premises and steals multiple pieces of equipment, including three new laptops
  • a flood over the weekend damages your equipment beyond repair

Read more about business and office equipment insurance

Portable equipment insurance

In case something happens to your equipment while you’re off-site.

What’s typically covered by tools insurance?

  • loss, damage, or theft of your portable equipment such as your laptop, tablet, or phone

For example:

  • someone knocks your laptop onto the floor while you’re buying lunch, damaging it beyond repair
  • your tablet and headphones are stolen from your bag while you’re travelling to a client’s premises

Read more about business and office equipment insurance

Legal expenses insurance

In case you face legal costs in connection with your repair business.

What’s typically covered by legal expenses insurance?

  • legal costs attributed to your computer repair business
  • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
  • tax and compliance disputes and investigations you need help with
  • access to expert advice – including a tax advice phone line, confidential 24/7 legal phone line, and crisis support to help you protect your professional reputation

For example:

  • you agree a deadline with your client but fall behind, triggering a delay in two new employee start dates – they take legal action and you need to pay associated costs
  • an employee raises a claim against you for unfair dismissal, and you need to recover court costs

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?

  • accidental injury or death at or outside of work, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • you injure your back while playing tennis at the weekend, and can’t work at full capacity for five weeks
  • an apprentice you’ve hired drops some machinery onto their foot while trying to move it from a shelf, causing a fracture

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

Insurance for computer repair – how much does it cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £6.56 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.

Example computer repair insurance quotes, real prices

£10.42 /month

£84.16 /month

A self-employed computer repair specialist who works with a number of small to medium-sized clients

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Bradford

Public liability

Not included


Employers’ liability

Not included


Professional indemnity

£50,000

£19.23 /month

£170.93 /month

A small computer repair firm who work with a number of medium-sized clients across a range of industries

  • 5+ years' experience
  • Limited company
  • 3 employees
  • Based in Edinburgh

Public liability

£1,000,000


Employers’ liability

£10,000,000


Professional indemnity

£100,000

How we work out example quotes These examples are real quotes from our online system (created 16/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance coverLowest excessHighest excess
Professional indemnityNo excess£2500
Public liability£200£750
Contents£100£750
Portable equipment£100£500
Employers liabilityNo excessNo excess

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does computer repair insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider it insurance or it business insurance?

Do I need cover for other types of work?

If you provide these services alongside building work, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

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0333 043 8527

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Contact us on our website whenever suits you

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FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£28 million in claims paid out in 2021

Paying 80% of settled claims within 24 hours in 2021

Example claim

Having computer repair business insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.

Craig saved more than £7,700

Craig (not his real name) received a call from his office manager, following a break-in. Multiple items of equipment were stolen, including two new laptops and a phone.The business and office equipment cover he’d added to his computer business insurance helped cover the replacement costs.

Insurance payout

£7,725.13

Covering the cost of theft


Craig’s costs

£100

The excess amount stated in Craig’s policy terms

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Computer repair insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for computer repair business activities. You can also check out our business insurance FAQs.

  • You may be repairing computers on referral for just a few people. But if something goes wrong, from damage to someone’s machine to an injury caused while you’re working, claims can cost thousands to sort out.

    Insurance for computer repair professionals usually starts with public and product liability insurance, tying in professional indemnity cover too. This depends on your business however, and some insurers, clients, and trade organisations will require different details and levels of cover. Many associations, brands, and clients will only deal with your business if you have a certain level of cover in place, particularly for liability and professional indemnity.

    Employers’ liability insurance is usually a legal requirement if your business employs any staff, including regular employees, contractors, apprentices, and casual workers.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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