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Working with computers can have all sorts of pitfalls. If someone tripped over a cable when they came to your business premises, or if you dropped an expensive piece of computer equipment when you were collecting it from a client’s office, you could face a costly compensation claim.
Public liability insurance could help you pay these claims, while other business insurance - like contents insurance for your business premises and employers’ liability insurance if you have any staff - can cover other eventualities.
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The insurance you need depends on your business and the risks you face, but these are popular covers for computer repair businesses:
Public liability insurance is important for any business that comes into direct contact with members of the public, including customers and suppliers. It can cover compensation claims made against you for injury or damage to someone’s property.
Professional indemnity insurance can step in to help you if a client suffers a financial loss because you’ve made a mistake in your work. It’s important for businesses that provide a professional service or give advice. It can cover legal fees as well as any potential pay-out.
Business equipment insurance keeps you covered against the theft or damage of any of the equipment you use for your business. Gadgets are always particularly appealing to thieves, so make sure any break-ins don’t prevent you from operating.
Employers’ liability insurance is a legal requirement for most businesses that have staff, so it’s an important consideration if you run a computer repair business that employs people, even on a casual basis. It can cover compensation claims made by staff because they’ve suffered illness or injury as a result of their work.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.