Insurance for Consumer Electronics Repair and Maintenance

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What Consumer Electronics Repair And Maintenance Is All About:

In this industry, the workers maintain and repair electronics like cameras, photographic equipment, radios, stereos, televisions, and video cassette recorders or VCRs (without retailing new electronics).

What type of insurance does this industry need?

Policy What is it? Why get it Popularity in your industry Want free quotes?
General Liability
This policy protects your business claims of bodily injury, property damage or advertising and personal injury (aka reputational damage). For example, the oh-so-common "slip and fall" claim would be handled under your General Liability policy. More likely than not, you have a contract, like a loan or a lease or mortgage, requiring you have General Liablity insurance. Even if you don't, this is the absolute best measure you can take to make sure you're covered in case of a law suit against your business.

What is it: This policy protects your business claims of bodily injury, property damage or advertising and personal injury (aka reputational damage). For example, the oh-so-common "slip and fall" claim would be handled under your General Liability policy.

Why get it: More likely than not, you have a contract, like a loan or a lease or mortgage, requiring you have General Liablity insurance. Even if you don't, this is the absolute best measure you can take to make sure you're covered in case of a law suit against your business.

Workers Compensation
Workers compensation coverage covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work. This is the law in all 50 states. As soon as you have your first non-owner employee, it's time to get Workers Comp insurance. Not having this insurance can lead to hefty fines, and of course, it means the business has to pay for any workplace injury claims.

What is it: Workers compensation coverage covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.

Why get it: This is the law in all 50 states. As soon as you have your first non-owner employee, it's time to get Workers Comp insurance. Not having this insurance can lead to hefty fines, and of course, it means the business has to pay for any workplace injury claims.

Commercial Auto
Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments and uninsured motorist coverage. This is the law. Any vehicle and driver out on the road must be insured. Keep in mind that any claims that happen while the car is being used for business purposes will not be paid by a personal auto policy. That's why it is so important to make sure you have commercial auto insurance.

What is it: Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments and uninsured motorist coverage.

Why get it: This is the law. Any vehicle and driver out on the road must be insured. Keep in mind that any claims that happen while the car is being used for business purposes will not be paid by a personal auto policy. That's why it is so important to make sure you have commercial auto insurance.

Are you ready to get down to business?

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