Cell Phone & Electronics Repair Insurance Coverage Checklist
The coverages a cell phone & electronics repair business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for phone, tablet, computer, and console repair shops. Priorities reflect typical exposure for this class; confirm against the shop's actual services and whether it buys used devices.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Bailee's Customer Coverage | Covers customers' devices damaged, lost, or stolen while in the shop's care. General liability usually excludes property in your care, custody, or control. | Core | |
| Commercial General Liability | Covers customer injuries on premises and damage caused away from the workbench. | Core | |
| Professional Liability (E&O) | Covers claims that a repair was done wrong or caused later failure, including data loss during repair. | Prevalent | |
| Cyber / Privacy Liability | Covers claims that customer data on a device was accessed or leaked, and breaches of the shop's own systems. | Prevalent | |
| Business Personal Property | Covers tools, parts inventory, and devices for resale. | Core | |
| Crime / Employee Dishonesty | Covers employee theft of devices, parts, or cash. | Prevalent | |
| Business Income | Replaces income after a fire, burglary, or other covered closure. | Prevalent | |
| Workers' Compensation | Required in most states with employees; burns and cuts are typical. | Situational | |
| Hired & Non-Owned Auto | Covers employees driving their own cars for pickups, deliveries, or on-site repairs. | Situational |
The coverage gap most often missed
The most commonly missed coverage for this class is bailee's customer coverage. Shop owners assume general liability pays when a customer's phone or laptop is dropped, cooked by a hot-air station, or stolen in a break-in, but GL generally excludes property in the shop's care, custody, or control. The second gap is customer data: technicians routinely have access to photos, messages, and accounts, and a single allegation of snooping or leaked data is a privacy claim that GL won't answer. Shops that buy used phones also carry stolen-property exposure and should confirm their state's secondhand-dealer rules.
Send us the checklist and we'll review your cell phone & electronics repair coverage line by line, then market it across multiple carriers that compete for your account.
Related: Cell Phone & Electronics Repair Insurance · Cell Phone & Electronics Repair Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a cell phone & electronics repair business need?
The core coverages for a cell phone & electronics repair business are Bailee's Customer Coverage, Commercial General Liability, Business Personal Property. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my cell phone & electronics repair coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.