Electronics Store Insurance Coverage Checklist
The coverages an electronics store 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 consumer electronics retailers, including stores that install, repair, or sell service contracts. Priorities reflect typical exposure for this class; confirm against the store's actual services.
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 |
|---|---|---|---|
| Commercial General Liability (incl. Products-Completed Ops) | Covers customer injuries, products sold, and damage from installation work after the job is done. | Core | |
| Business Personal Property (Stock) | Covers high-value inventory against fire, theft, and water. Confirm limits fit holiday peaks. | Core | |
| Crime / Employee Dishonesty | Covers employee theft and certain fraud — common with small, high-value electronics. | Prevalent | |
| Bailee's Customer Coverage | Covers customers' devices left for repair or setup, which GL excludes. | Situational | |
| Contractual Liability for Service Contracts | If the store is the obligor on protection plans, a reimbursement insurance policy may be required and protects the store from those claims. | Situational | |
| Cyber Liability | Covers breaches of payment data and customer data handled during setup or transfer. | Prevalent | |
| Commercial Auto / Hired & Non-Owned | Covers delivery and installation vehicles. | Situational | |
| Workers' Compensation | Required in most states with employees; installers face ladder, lifting, and electrical hazards. | Core | |
| Business Income | Replaces income after a covered closure. | Prevalent |
The coverage gap most often missed
The most commonly missed exposure for this class is installation. Stores that mount TVs, run in-wall wiring, or set up cameras and smart locks are doing contractor work, and a fallen TV, a drilled pipe, or a hacked camera can surface long after the sale. Confirm the GL policy includes completed operations for installation and that subcontracted installers carry their own coverage. Batteries are the other gap: under Reese's Law, retailers share responsibility for button-cell products and must report noncompliant items, while lithium-ion products bring fire exposure. Stores that back their own protection plans may also carry an uninsured obligation.
Send us the checklist and we'll review your electronics store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Electronics Store Insurance · Electronics Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an electronics store business need?
The core coverages for an electronics store business are Commercial General Liability (incl. Products-Completed Ops), Business Personal Property (Stock), Workers' Compensation. 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 electronics store 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.