News About Computer Repair Small Business Insurance

What Happened To A Computer Repair Business In San Jose?

“As a computer repair business owner, believe me when I say repairing electronics, from computers to cell phones, is complicated,” says Jeremy P. from his busy shop in San Jose. 

Computer repair shops must be knowledgeable about different systems from multiple manufacturers. If you don’t keep up with new developments in tech, how will you do your job? Also, if any device that comes in for repair is damaged or mismanaged, or sensitive information is violated, customers can (and will) claim the damages from your computer repair business. Before you know it, you’re over your head in legal costs.

We all know from our daily lives that despite our best efforts, accidents do happen. Things go wrong every day.  Jeremy P. (also known as Mr. Robot to his customers) found this out the hard way. He warns all small business owners, “You need to get business insurance before you get hit.” A business owner insurance policy is one of the best ways to stay safe when you have a computer repair shop.

Don’t believe it?

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Computer Repair Business Liable For Property Damage 

One of Mr. Robot’s customers brought a laptop that was getting hot during charging to the computer repair shop.  “So we tried to run some diagnostic tests after the customer left. Five minutes after charging, the whole system went off and the device also generated smoke.” Whose fault was it? Does it even matter?

“We tried our best to explain to the customer when they returned to pick up the computer from the repair shop, but that didn’t go down well. In the end, we had to buy another laptop, and it was a significant financial loss to our side. We regretted the occurrence that resulted in giving a brand new laptop to the customer.”

Small Business Makes Expensive Mistakes 

What if something like this happened in your computer repair store? Imagine a day where everything goes wrong. Something like this is a business owner’s worst nightmare.

Imagine a day when your computer repair engineers are just going about their business, unprepared for a series of disasters.  Say a customer comes in for computer repair on her faulty laptop. She also comes in carrying a small but expensive ornamental vase. She puts it onto the counter. She is in a great hurry and wants to know if computer repair will be quick or whether she’ll have to leave the laptop behind. While trying to do a cursory diagnosis, the computer repair technician’s hand accidentally bumps the vase. It crashes to the ground.

 No Going Back

Those few precious seconds slow right down. Everyone in the repair shop sees the vase falling. It is in slow motion. The crashing sound rings in their ears. The next moment the computer repair shop goes quiet.  And then the customer says the words every small business owner hates to hear, “You broke it, you pay for it. Or I’m going to sue!” If this seems a bit far-fetched, there are plenty of real life examples of when a computer repair business got caught without general liability insurance.

Fix Your Computer Repair Service

When you hear property damage stories like these, it becomes clear  that small business owners like computer repair shops should really consider protecting themselves. Just ask Mr Robot! No matter how big or small your computer repair business is, get peace of mind with types of insurance policies like these:

• General Liability Insurance
• Business Owners Policy (BOP)
• Workers Compensation Insurance
• Cyber Liability Insurance
• Property Damage Insurance

Computer Repair Shop Needs BOP

Just as a computer repair shop has to keep up with advances in the IT industry, an insurance company must keep up with developments in insurance coverage. A small business owner like yourself may not know which type of insurance will give you adequate insurance coverage.

If you think that insurance for a small business is going to cost too much, get a free quote. You’ll be surprised at the affordable rate of a business owner’s policy. So, before you choose an insurance policy for your small computer repair business, it is best to consult insurance agents that specialize in small business owner’s policies. Small Business Liability advises on computer repair small business insurance at great rates

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