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When working in Computer Support, there's lots that can go wrong. Keep your business protected for when you need it most.
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Computer support insurance is a form of legal protection designed to cover businesses or individuals who work with computers, or otherwise support businesses with IT-related tasks. Computer support comes with its own challenges and pitfalls. For example, if a client or customer were to trip over a computer cable while visiting your premises, or if you were to damage an expensive piece of equipment while offering computer support to a client, you could find yourself facing a costly claim for compensation.
Having a comprehensive computer support insurance policy in place takes the stress and the hassle out of such incidents. As we all know, accidents can (and do) invariably happen, but with the right protection in place you won’t be putting yourself or your livelihood at risk. There are several different types of policy that could be beneficial to those who operate a computer support business, including public liability insurance, which is a good starting point for any business.
Any business that provides IT support services (be it on a business-to-business or business-to-consumer level) should consider having some form of computer support insurance in place. Whether you’re a contractor that offers IT support to local businesses in the area on an ad-hoc basis or a high-street trader with a “walk-in” computer repair company, it pays to be covered.
Sometimes, businesses operate in both capacities – in other words, a company might tend to offer computer support tasks “on site” at various local businesses while also operating a walk-in store for repairs and sales. Because different types of insurance cover different possibilities and eventualities (such as damaging property belonging to a customer while on their premises), it’s important to understand the exact types of insurance policy available, and what will work best to protect your business.
The most popular forms of computer support insurance include public liability insurance, which covers compensation claims made against you or your business for damage to property or personal injury. All businesses that have staff members who come into direct contact with the public should consider taking out a public liability insurance policy as part of their computer support insurance package.
Computer support businesses should also strongly consider professional indemnity insurance. This protects your business in the event of a client suffering a financial loss due to an error made during your course of work. For example, imagine you damaged a server which resulted in a client’s website encountering downtime and lost transactions – would you be able to bear the brunt of the cost without an insurance policy? Business equipment insurance will keep your company protected against the damage or theft of any essential IT equipment you use. Items like laptops are always appealing to thieves, but with the right policy you won’t lose out in the event of a break-in.
Lastly, if you employ staff, it is a legal requirement for your business to have employers' liability insurance in place – even if your computer support business only hires people on a casual or temporary basis. Employers' liability insurance covers claims for compensation from staff who have suffered injury or illness during their working duties.
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