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These establishments sell new laptops, desktop computers and related items including software, printers, paper, blank CDs and ink cartridges for use in homes and small businesses. Digital cameras and some office supplies may be sold. Delivery, repair and technical support services are often available.

General Liability Insurance for Computer Stores – Premises liability is a risk at computer stores. Merchandise should be placed conveniently for customers to reach. Stores must be clean and walk areas must be free from any risk of falling. Outside areas such as parking lots, sidewalks and other walkways should be well lit and free of defects such as holes, cracks, trash; and any uneven surfaces should be marked with yellow paint. Products liability is increased if computer stores import products from foreign countries, makes repairs, or refurbishes items to be resold. Computer store employees who give faulty advice or instructions about computers or related products can trigger a product liability exposure as well.

Workers’ Compensation Insurance for Computer Stores – Workers’ compensation risks include carpel tunnel syndrome when computer stores offer technical support. Electrical shock is also a concern for computer store employees. Employees who make service calls and install computers also add to the workers’ compensation risk. Lifting heavy boxes and equipment may cause injury as well. Computer stores should require safety training and on the job training to help reduce the risk of injury to their employees.

Business Automobile Insurance for Computer Stores – The risk of automobile accidents increases if computer store employees often drive company vehicles for delivery or service calls. Vehicles should always be in working order and drivers should have a valid license and undergo an MVR check. Inexperienced drivers, cell phone usage while driving, and driving in heavy traffic, will elevate business auto risks.

Property Insurance for Computer Stores – Computer stores are at risk of fire and theft. Computers can be damaged or ruined by fire, heat, smoke, and water. Extinguishing systems should be installed to minimize water damage so that they do not cause additional harm to the merchandise during a fire. For example, dry extinguishing systems should be considered in lieu of wet systems for use on sensitive electronic equipment like computers. Designated persons should be responsible for calling 911 and for instructing fire department personnel upon arrival as to the location of electrical cut off switches and sensitive equipment. Computers are a high-ticket item and stores should be well secured in order to prevent theft.

Crime Insurance for Computer Stores – Inventory should be counted frequently in order to prevent employee theft of merchandise. Computer stores are also at risk of their employees or burglars stealing money from them. Cash registers should be closely monitored and deposits should be made and verified regularly. In addition, a central station alarm system should be installed with sensors located on all exterior doors and windows as wells as motion and glass breakage detectors.