Computer repair business insurance costs vary widely across coverage types, helping you budget more effectively. MoneyGeek's analysis shows monthly premiums range from $24 for workers' compensation to $67 for a business owner's policy (BOP).
How Much Does Computer Repair Business Insurance Cost?
Business insurance for computer repair shops starts at $24 per month. Your specific business details, coverage needs and location will determine your actual rate.
Discover cheap computer repair business insurance below.
Select your industry
Updated: August 15, 2025
Advertising & Editorial Disclosure
Key Takeaways
Computer repair business insurance costs range from $24 to $67 monthly, depending on your coverage type.
Your computer repair insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable computer repair business insurance costs.
Average Computer Repair Business Insurance Cost Overall
| BOP | $67 |
| General Liability | $48 |
| Professional Liability (E&O) | $63 |
| Workers Comp | $24 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Computer Repair Business Insurance Cost for General Liability Coverage by State
Your computer repair business general liability coverage costs vary by location. Alaska offers the most savings at $41 monthly versus the $48 national average, while New York costs $56 monthly.
| Alabama | $47 |
| Alaska | $41 |
| Arizona | $45 |
| Arkansas | $46 |
| California | $53 |
| Colorado | $47 |
| Connecticut | $52 |
| Delaware | $51 |
| Florida | $52 |
| Georgia | $49 |
| Hawaii | $46 |
| Idaho | $45 |
| Illinois | $53 |
| Indiana | $47 |
| Iowa | $46 |
| Kansas | $46 |
| Kentucky | $44 |
| Louisiana | $51 |
| Maine | $41 |
| Maryland | $46 |
| Massachusetts | $50 |
| Michigan | $45 |
| Minnesota | $45 |
| Mississippi | $48 |
| Missouri | $47 |
| Montana | $48 |
| Nebraska | $45 |
| Nevada | $54 |
| New Hampshire | $48 |
| New Jersey | $54 |
| New Mexico | $48 |
| New York | $56 |
| North Carolina | $41 |
| North Dakota | $42 |
| Ohio | $44 |
| Oklahoma | $42 |
| Oregon | $44 |
| Pennsylvania | $55 |
| Rhode Island | $53 |
| South Carolina | $49 |
| South Dakota | $45 |
| Tennessee | $47 |
| Texas | $48 |
| Utah | $46 |
| Vermont | $46 |
| Virginia | $44 |
| Washington | $54 |
| West Virginia | $50 |
| Wisconsin | $47 |
| Wyoming | $44 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Computer Repair Business Insurance Cost for Workers’ Compensation Coverage by State
Your computer repair business's cost for workers' compensation varies by state. Maine and North Carolina offer the lowest rates at $21 monthly and New York the highest at $28 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| Alabama | $24 |
| Alaska | $22 |
| Arizona | $23 |
| Arkansas | $23 |
| California | $26 |
| Colorado | $24 |
| Connecticut | $26 |
| Delaware | $26 |
| Florida | $26 |
| Georgia | $24 |
| Hawaii | $25 |
| Idaho | $23 |
| Illinois | $27 |
| Indiana | $24 |
| Iowa | $23 |
| Kansas | $23 |
| Kentucky | $22 |
| Louisiana | $27 |
| Maine | $21 |
| Maryland | $23 |
| Massachusetts | $25 |
| Michigan | $22 |
| Minnesota | $23 |
| Mississippi | $24 |
| Missouri | $24 |
| Montana | $24 |
| Nebraska | $23 |
| Nevada | $27 |
| New Hampshire | $24 |
| New Jersey | $27 |
| New Mexico | $24 |
| New York | $28 |
| North Carolina | $21 |
| Oklahoma | $22 |
| Oregon | $22 |
| Pennsylvania | $28 |
| Rhode Island | $27 |
| South Carolina | $25 |
| South Dakota | $22 |
| Tennessee | $23 |
| Texas | $24 |
| Utah | $23 |
| Vermont | $23 |
| Virginia | $22 |
| West Virginia | $25 |
| Wisconsin | $24 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Computer Repair Business Insurance Cost for Professional Liability Coverage by State
Professional liability insurance cost for professional liability varies by state for computer repair businesses. The national average is $63 monthly, with North Carolina offering the lowest rates at $54 for E&O insurance, while Louisiana charges the highest at $73 monthly.
| Alabama | $62 |
| Alaska | $58 |
| Arizona | $59 |
| Arkansas | $60 |
| California | $70 |
| Colorado | $63 |
| Connecticut | $68 |
| Delaware | $67 |
| Florida | $67 |
| Georgia | $65 |
| Hawaii | $65 |
| Idaho | $60 |
| Illinois | $69 |
| Indiana | $61 |
| Iowa | $59 |
| Kansas | $60 |
| Kentucky | $58 |
| Louisiana | $73 |
| Maine | $54 |
| Maryland | $60 |
| Massachusetts | $66 |
| Michigan | $59 |
| Minnesota | $58 |
| Mississippi | $62 |
| Missouri | $62 |
| Montana | $61 |
| Nebraska | $60 |
| Nevada | $72 |
| New Hampshire | $62 |
| New Jersey | $72 |
| New Mexico | $63 |
| New York | $72 |
| North Carolina | $54 |
| North Dakota | $55 |
| Ohio | $58 |
| Oklahoma | $58 |
| Oregon | $58 |
| Pennsylvania | $73 |
| Rhode Island | $69 |
| South Carolina | $65 |
| South Dakota | $58 |
| Tennessee | $62 |
| Texas | $63 |
| Utah | $60 |
| Vermont | $60 |
| Virginia | $57 |
| Washington | $70 |
| West Virginia | $65 |
| Wisconsin | $61 |
| Wyoming | $59 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Computer Repair Business Insurance Cost for BOP Coverage by State
Business owner's policy rates show notable state-by-state variation for computer repair businesses. Monthly premiums range from $57 in Oklahoma to $78 in New York, highlighting significant regional cost differences.
| Alabama | $66 |
| Alaska | $57 |
| Arizona | $63 |
| Arkansas | $65 |
| California | $74 |
| Colorado | $68 |
| Connecticut | $74 |
| Delaware | $73 |
| Florida | $73 |
| Georgia | $68 |
| Hawaii | $64 |
| Idaho | $65 |
| Illinois | $73 |
| Indiana | $65 |
| Iowa | $63 |
| Kansas | $65 |
| Kentucky | $63 |
| Louisiana | $68 |
| Maine | $59 |
| Maryland | $64 |
| Massachusetts | $72 |
| Michigan | $63 |
| Minnesota | $65 |
| Mississippi | $69 |
| Missouri | $67 |
| Montana | $68 |
| Nebraska | $64 |
| Nevada | $78 |
| New Hampshire | $69 |
| New Jersey | $77 |
| New Mexico | $68 |
| New York | $78 |
| North Carolina | $58 |
| North Dakota | $59 |
| Ohio | $63 |
| Oklahoma | $57 |
| Oregon | $63 |
| Pennsylvania | $77 |
| Rhode Island | $74 |
| South Carolina | $70 |
| South Dakota | $62 |
| Tennessee | $66 |
| Texas | $68 |
| Utah | $65 |
| Vermont | $65 |
| Virginia | $61 |
| Washington | $78 |
| West Virginia | $71 |
| Wisconsin | $66 |
| Wyoming | $62 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Computer Repair Business Insurance Cost
Insurance costs for your computer repair business are based on several factors that affect your premiums. Let's explore what impacts your rates.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in areas with higher crime rates or natural disaster risks increases your risk profile, and state differences create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single slip-and-fall lawsuit can substantially increase your general liability rates at renewal.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. For example, a solo computer repair technician earning $50,000 annually pays less than a repair shop with multiple locations and $500,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Computer Repair Business Insurance
Computer repair business owners can lower their insurance costs through smart comparison shopping and risk management strategies. These proven methods below offer both immediate savings and long-term premium reductions.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your computer repair business needs prevents overpaying for unnecessary coverage. General liability protects against customer injuries and property damage claims. Professional liability covers errors in your repair work, while commercial property insurance protects your tools and inventory.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for identical coverage. Request quotes from at least three insurers to find the best rates.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability, professional liability and commercial property coverage with one carrier typically costs less than separate policies from different insurers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out-of-pocket for small claims, but your ongoing insurance expenses will be lower.
- 5
Pay annually instead of monthly
Most insurance companies add processing fees for monthly payments. Paying your full premium annually eliminates these extra charges and often qualifies you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your policy yearly, and remove unnecessary coverage and adjust limits based on your business size and services.
Insurance for Computer Repair Business Cost: Bottom Line
Computer repair business insurance costs range from $24 to $67 monthly, with your location, claims history and business size driving your actual premium, and getting quotes from multiple insurers, bundling policies, choosing higher deductibles and paying annually helps reduce costs.
Computer Repair Business Insurance Cost: FAQ
You may have questions about computer repair businesses, so we gathered answers to the most common questions below.
What is the cheapest type of computer repair business insurance?
Workers' compensation costs $24 monthly but only covers employee injuries. Most computer repair businesses opt for general liability insurance ($48 monthly) to protect against customer accidents and property damage.
How much can I save by bundling my computer repair business insurance policies?
Bundling policies through a business owner's policy (BOP) offers the best value, combining general liability and property coverage at lower rates than purchasing separate policies.
What factors make my computer repair business insurance more expensive?
General liability insurance costs about $48 per month for computer repair businesses, making it the most budget-friendly coverage option for basic protection.
Here's what affects computer repair insurance costs: business location, claims history, service types, staff size, equipment value, coverage limits and policy deductibles.
Should I choose a $500 or $2,500 deductible for my computer repair business insurance?
A higher deductible ($2,500) reduces monthly premiums but requires more out-of-pocket costs when filing claims. Consider your available cash flow and claim frequency when choosing.
How much does workers' compensation cost for computer repair businesses by state?
Workers' compensation rates vary from $21 monthly in North Carolina to $28 monthly in New York, with costs reflecting each state's unique risk factors and requirements.
Is business owner's policy (BOP) worth the extra cost for computer repair companies?
A BOP costs $67 monthly and bundles general liability, commercial property and business interruption coverage into one policy. This packaged approach offers more value than purchasing individual policies.
How often should I shop around for computer repair business insurance quotes?
Compare insurance quotes annually during renewal time. Getting three or more quotes helps you find the best rates, particularly when your business grows or changes.
How We Determined Computer Repair Business Insurance Costs
We collected computer repair business insurance quotes from companies across different states. To make sure we compared apples to apples, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small computer repair businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the computer repair industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.