Are computers covered by Business Personal Property insurance?
Computers are often integral to day-to-day business operations. Find out if business personal property insurance can cover them.
Updated May 29, 2023.
Business personal property insurance typically does cover equipment, including computers, that's used for business operations.
But, as with any insurance policy, coverage for these items may be subject to limits and exclusions, such as:
- There may be a cap on total coverage for all business personal property or the value of each individual item.
- If your data is breached or computer viruses stop your productivity, you may need cyber liability insurance instead.
- Damage to third-party computers at your business location might not be covered since they aren't used for business. For example, a customer's laptop slips and breaks while an employee cleans up around it. In this case, general liability insurance may help.
Sometimes, you may need to consider additional coverage for extra protection if you aren't sure your small business is adequately insured.
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NEXT offers customized business insurance, which can include business personal property insurance. Simply apply online to get an instant quote in less than 10 minutes. You get your certificate of insurance instantly to share it 24/7 with the NEXT app.