What Insurance Type and Coverage to get?

[BAB]

I always struggle with any kind of insurance. Trying to arm myself with any insight on insurance that a PC Tech should get, prior to getting on the phone with insurance agents.

I'll be offering Pick UP delivery, on-Site , no employees (til later)
If I missed anything please post as I like to be covered with what I need and not what insurance try to sell.

Anybody have any good company's to deal with in FL would be a big help to me.

 

[GoHighVoltage]

At minimum you want to have liability insurance. I have liability and professional insurance.

Here is some info from techinsurance.com -

Business Insurance - Managing Your Risk

Business insurance protects you and your business with coverage for claims related to allegations of negligent activities or failure to use reasonable care. As one of America's leading online providers of business insurance for computer consulting and IT services firms, TechInsurance has helped thousands of businesses and individuals get the small business liability insurance they need. When you buy insurance from us, you get exclusive access to the years of experience and expertise we have accumulated in the business insurance industry. You need business insurance specifically designed to address the risks associated with IT services.

General Liability Insurance Coverage

TechInsurance works with leading carriers such as Hartford Insurance to provide Commercial General Liability insurance and Workers Compensation insurance for as little as $350 to $500 each per year. Check out our general liability insurance and property package policy that provides small business liability insurance as well as protection for your company's computers and other assets.

Professional Liability Insurance

Professional Liability insurance provides protection against claims that the policyholder becomes legally obligated to pay as a result of an error or omission in his professional work. Also known as Errors and Omissions insurance, this type of professional liability insurance is critical to your business. E&O insurance responds to claims of professional liability in the delivery of your technical services. Allow us to customize an errors and omissions insurance policy for you that is affordable and effective.

 

[rsavoia]

I interviewed Jim Cochran, President of Techinsurance. He covered the topic thoroughly and offered some advice on how to figure out what techs really need to insure their businesses. The Force Field Episode 14 - Insuring Your Business.

Hope that helps.

 

[GoHighVoltage]

The interview you refer to is located right here on technibble as well:

http://www.technibble.com/interview-with-tech-insurance/

 

[BAB]

Great info

This is what makes Technibble great. Folks post info, folks share & moderate the info and we all learn.

- only neg is search. I try to search anything prior to posting search results could be improved. I don't believe it's a Technibble issue more a forum engine issue see that all over the place.

 

[GoHighVoltage]

This is what makes Technibble great. Folks post info, folks share & moderate the info and we all learn.

- only neg is search. I try to search anything prior to posting search results could be improved. I don't believe it's a Technibble issue more a forum engine issue see that all over the place.

Hi Bab,

You need liability insurance at minimum. I went to techinsurance and got all my information together and then got my insurance through the same company I have I use for my homeowners insurance.

Good luck Bud.

PS: No matter what insurance you choose. Make sure you have proper work orders with customer signatures, and effective disclaimers to protect yourself. Doing any work without a signed work order w/disclaimer will leave you open for anything.

 

[rsavoia]

The interview you refer to is located right here on technibble as well:

http://www.technibble.com/interview-with-tech-insurance/

Actually, that is a different interview Bryce did. I interviewed Jim on The Force Field podcast. However, Bryce did a great job covering all the bases and the information is basically the same.

 

[GoHighVoltage]

Actually, that is a different interview Bryce did. I interviewed Jim on The Force Field podcast. However, Bryce did a great job covering all the bases and the information is basically the same.

Cool. didn't know there was so many interviews. Popular guy at techinsurance, LOL

 

[BAB]

Needs to add PC Tech w/o Storefront

checked out techinsurance.com

not for nothing but the options drop down seemed did not list the PC tech without retail store option.

Kind of quickly let me down as a easy quote request.

Do see "other" guess i'll try that.

Listening to podcast now.

 

[GoHighVoltage]

HI Bab, are you sure? I remember doing a quote with them, and property insurance was separate.

You may want to check again or email/call them.