Computer repair business insurance averages $50 monthly, with costs ranging from $21 to $78 based on your policy choices and state location.
Get matched with cheap computer repair business insurance below.
Updated: October 14, 2025
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Computer repair business insurance costs range from $252 to $936 annually on average, depending on your coverage type, state and sub-industry.
Your computer repair insurance premiums depend on location, claims history, services provided and employee count.
Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable computer repair business insurance costs.
We found average business insurance costs for computer repair companies for commonly needed coverage are as follows:
| BOP | $67 | $806 |
| General Liability | $48 | $572 |
| Professional Liability (E&O) | $63 | $752 |
| Workers' Comp | $24 | $289 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your computer repair business insurance cost for general liability coverage varies by location. Alaska leads with the lowest rates at $41 monthly compared to the $48 national average, while New York reaches $56 monthly.
| Alabama | $47 | $562 |
| Alaska | $41 | $492 |
| Arizona | $45 | $544 |
| Arkansas | $46 | $551 |
| California | $53 | $640 |
| Colorado | $47 | $570 |
| Connecticut | $52 | $624 |
| Delaware | $51 | $616 |
| Florida | $52 | $622 |
| Georgia | $49 | $583 |
| Hawaii | $46 | $556 |
| Idaho | $45 | $544 |
| Illinois | $53 | $631 |
| Indiana | $47 | $560 |
| Iowa | $46 | $547 |
| Kansas | $46 | $558 |
| Kentucky | $44 | $534 |
| Louisiana | $51 | $606 |
| Maine | $41 | $498 |
| Maryland | $46 | $548 |
| Massachusetts | $50 | $602 |
| Michigan | $45 | $544 |
| Minnesota | $45 | $539 |
| Mississippi | $48 | $577 |
| Missouri | $47 | $567 |
| Montana | $48 | $572 |
| Nebraska | $45 | $543 |
| Nevada | $54 | $652 |
| New Hampshire | $48 | $571 |
| New Jersey | $54 | $651 |
| New Mexico | $48 | $578 |
| New York | $56 | $669 |
| North Carolina | $41 | $498 |
| North Dakota | $42 | $500 |
| Ohio | $44 | $533 |
| Oklahoma | $42 | $501 |
| Oregon | $44 | $533 |
| Pennsylvania | $55 | $663 |
| Rhode Island | $53 | $631 |
| South Carolina | $49 | $592 |
| South Dakota | $45 | $537 |
| Tennessee | $47 | $560 |
| Texas | $48 | $579 |
| Utah | $46 | $547 |
| Vermont | $46 | $551 |
| Virginia | $44 | $523 |
| Washington | $54 | $653 |
| West Virginia | $50 | $602 |
| Wisconsin | $47 | $564 |
| Wyoming | $44 | $531 |
Note: We based these general liability rates on computer repair businesses with two employees across different states. Your rates will vary based on your location, services, claims history and number of employees.
Workers' compensation insurance rates for computer repair businesses differ across states. Maine has the most affordable monthly premiums at $21, while New York charges the highest at $28.
| 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 |
Note: We based these workers' comp rates on computer repair businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Your professional liability cost will vary by state. Nationwide, this coverage averages $63 monthly. North Carolina offers the most affordable rates at $54 monthly, while Louisiana has the highest premiums 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 |
Note: We based these professional liability rates on computer repair businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Computer repair business insurance costs vary based on your state's regulations and risk factors. BOP insurance cost ranges from $57 monthly in Oklahoma to $78 in New York for the same coverage level.
The Sooner State offers the most affordable rates at $57 per month, while Empire State business owners face the highest premiums at $78 monthly. This $21 difference highlights how location affects your insurance budget.
Other states with competitive rates include North Carolina at $58 and North Dakota at $59 monthly. Meanwhile, Pennsylvania, New Jersey and Washington also rank among the pricier states, with monthly premiums reaching $77 to $78.
| 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 |
Note: We based these BOP rates on computer repair businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Computer repair business insurance costs vary widely by provider, ranging from $37 to $74 monthly. These price differences reflect each insurer's market focus and strategic priorities, which shift based on profitability and coverage expansion opportunities.
| Chubb | $57 | $681 |
| Coverdash | $51 | $610 |
| Hiscox | $50 | $597 |
| NEXT Insurance | $37 | $441 |
| Nationwide | $74 | $889 |
| Progressive Commercial | $52 | $620 |
| Simply Business | $51 | $609 |
| The Hartford | $43 | $513 |
| Thimble | $46 | $550 |
| biBERK | $52 | $624 |
Computer repair business insurance costs depend on multiple factors insurers review when determining your premium rates.
Your service area directly affects insurance pricing through multiple channels. Tech hubs with concentrated competition and higher property values see elevated premiums compared to secondary markets. State-level data privacy laws also influence costs, with California's strict regulations driving higher cyber liability and errors and omissions premiums than states with minimal consumer protection frameworks.
Past incidents with client devices or business operations shape your insurance trajectory. Data breach claims, lawsuits over lost customer information, or property damage from improper repairs remain visible to underwriters for extended periods. Repair shops documenting careful handling procedures, maintaining backup protocols, and operating without prior claims benefit from this history when carriers assess risk and determine renewal pricing for professional liability coverage.
Workforce composition influences insurance costs across multiple policy types. Solo technicians working from home workshops maintain minimal workers' compensation overhead, while shops employing repair techs, customer service staff, and delivery drivers see premiums scale with total payroll.
Your service menu directly correlates with liability exposure and premium calculations. Basic hardware repairs and software troubleshooting represent standard risks, while data recovery services, network security assessments or cloud migration projects introduce professional liability concerns over potential data loss or system failures.
Offering remote support, selling refurbished equipment, or providing managed IT services each add distinct coverage requirements.
Income levels reflect operational scale and insurance needs accordingly. Part-time technicians earning $35,000 annually from home-based repairs maintain straightforward coverage, while established shops generating $450,000 through retail locations and commercial contracts require comprehensive protection.
Protection thresholds you establish create cost differentials. Many repair shops begin with $1 million in general liability and professional liability coverage, though commercial clients often mandate $2 million minimum. Cyber liability insurance protecting against data breaches adds separate costs based on customer records you maintain.
Your technical assets and diagnostic equipment factor into property insurance valuations. Basic repair operations using standard screwdrivers, multimeters, and software tools require modest coverage, while shops investing in advanced diagnostic machines, data recovery equipment, or cleanroom facilities for component-level repairs need substantial property protection.
Financial credibility influences carrier selection and premium rates. Computer repair business owners with strong credit histories often secure discounts of 22% to 48% compared to those with challenged credit profiles.
Lowering your computer repair business insurance costs starts with smart planning, and our step-by-step guide makes it easy. Follow these strategies to find cheap business insurance for your computer repair company while building a stronger risk profile over time.
Computer repair shops face unique risks from customer data breaches and equipment damage. Essential coverage includes general liability, cyber liability for data protection, tools and equipment insurance and professional liability to cover tech errors.
Premiums for computer repair businesses can differ by 40% or more between carriers for the same coverage. Specialized tech insurers often understand your risks better than general providers. Request quotes from at least three companies, and work with agents experienced in technology service businesses.
Bundling general liability with cyber liability and inland marine coverage saves 15% to 25% compared to separate policies.
A business owner's policy (BOP) combines multiple coverages at a reduced rate. Most insurers offer better pricing when you consolidate your tech business coverage with one carrier.
Increasing your deductible from $500 to $2,500 can lower monthly costs by 20% to 30%. This strategy works well if you maintain emergency funds for minor incidents like small tool replacements or accidental damage. It keeps premiums affordable while protecting against major losses like fire or large liability claims.
Monthly payment plans for computer repair insurance often include 3% to 8% in installment fees that add up quickly. Paying annually eliminates these charges and may qualify you for a paid-in-full discount. Many insurers offer 5% to 10% savings when you pay your entire premium upfront.
Your coverage needs shift as you add technicians, expand services, or increase customer device volume. Review your policy annually to ensure equipment limits match your current inventory and liability coverage reflects your revenue.
Computer repair business insurance costs between $21 and $78 per month, though your exact premium depends on factors such as location, business size, and claims history. You can often reduce costs by comparing quotes from several insurers, bundling policies, selecting higher deductibles, and paying annually instead of monthly.
Computer repair business owners commonly ask about insurance costs. We answered the most frequent questions below:
Workers' compensation costs just $24 monthly, but only covers employee injuries. Most computer repair businesses require general liability coverage ($48 monthly) for protection against customer accidents and property damage lawsuits.
You'll pay more in these states. General liability in California runs $53 monthly (versus $48 national average), and BOP costs $74 monthly (versus $67 average). New York is similar at $56 and $78, respectively.
Combining policies with one insurer generates greater savings than purchasing them separately. Insurance companies provide discounts when you bundle general liability, commercial property and commercial auto coverage together.
Higher premiums result from multiple risk factors: working with valuable electronics, storing sensitive customer data, operating from commercial locations, maintaining costly diagnostic equipment, having employees handle delicate devices, and facing potential cybersecurity liabilities.
Higher deductibles reduce monthly premiums but increase out-of-pocket costs per claim. Consider your available cash reserves and anticipated claim frequency when deciding.
Workers' compensation costs for computer repair businesses vary by state, spanning from $21 monthly in Maine to $28 monthly in New York.
Yes, BOP insurance is worth the investment for computer repair companies. BOP costs $67 monthly but packages general liability, commercial property, and business interruption coverage together. This bundled approach saves money compared to purchasing individual policies while offering essential protection.
Shop at renewal time each year. Comparing quotes from multiple insurers can uncover savings, especially after business changes like expanding services or adding staff.
We collected computer repair business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small computer repair business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
