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.

David Granahan - Writer for NEXT Insurance
By David Granahan
Kelly Hendrickse - editor for NEXT Insurance
Edited by Kelly Hendrickse
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

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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