Insurance for Consumer Electronics Repair and Maintenance

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  • Get insurance so you can open shop

  • Fast and easy insurance processing for electronics

  • Experience the best coverage with low monthly rates

  • Top-notch service for your business

Coverage Plans for All Your Needs


Essential coverages to meet client demands

General Liability (GL)

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  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations


When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown


Get protected against employment-related issues

Business Owners Policy (BOP) + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation


When you have specific requirements

Including Commercial Auto, Professional Liability, etc.

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Call us at (646) 844-9933 for help and more information

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Frequently Asked Questions

Why do Consumer Electronics Repair and Maintenance Services need insurance?

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).

Depending on the state you are in, insurance is often mandatory. You'll be faced with hefty fines when you do not carry a state-mandated insurance for your business, particularly if you meet the requirements to carry one.

Insurance safeguards your investment and minimizes financial risks. With insurance, unexpected risks like property damage due to fire or natural disaster, injury to your employee or lawsuits are minimized. The insurance covers the costs until the policy limits.

What risks do Consumer Electronics Repair and Maintenance services face?

The type of business you offer comes with risks, and here are some of those:

  • Your customer's electronics have malfunctioned, causing them serious financial trouble. You can get sued for not meeting your customer's expectations of repair or maintenance.
  • One of your employees falls and suffers an injury at work. You'll be responsible for the medical care and rehabilitation as well as lost wage until they can return to work.
  • A customer injury on your business premises like a slip and fall and your business is held liable, you'll be faced with a lawsuit and liability claim.

How much does insurance cost for Consumer Electronics Repair and Maintenance services?

Insurance cost depends on the size of your business, the number of employees you have, the nature of operations and other essential factors. The larger your business is the more insurance you'll need.

On average, expect to pay about $500 for General Liability insurance, $900 on Business Owners Policy and $1000 on Workers' Compensation per year.

Your rates could be lower. Use our online assessment tool to get a free quote or call our customer service representatives. We'll help you find the best rates for your insurance.

What type of insurance do Consumer Electronics Repair and Maintenance services need?

As a consumer electronics repair and maintenance business, you understand the importance of being able to please the customer. If you have employees, you need to keep them happy too. In order to do this, there are some additional insurance policies that are critical in keeping both happy customers coming back, and happy employees staying with you long-term.

Professional Liability – Also known as E&O, or Errors & Omissions insurance, this type of policy is truly essential for your business operations. Since you may most likely give advice to customers on how to best use their electronics, you open yourself up to a risk of a lawsuit. Also, you may have fixed an electronic device, but it could still malfunction and you may be blamed. If either of these things happens which causes a financial loss to your customer, and the customer wants to say that you made a mistake or were negligent, you will wind up in court. Regardless of whether or not it turns out to be your fault, you will still be responsible for the court fees which will be covered by this policy, as well as ant settlements or judgments.

Workers Compensation – Having employees can really boost your profits. If your employees end up with a work-related injury or illness, you will be responsible for their lost wages and medical expenses. Most states require this insurance policy if you have employees, and even if they don’t, wouldn’t you want your employees to get back to work as soon as possible if they are hurt?

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