{"id":4598,"date":"2020-09-01T13:20:49","date_gmt":"2020-09-01T13:20:49","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4598"},"modified":"2020-09-01T13:20:49","modified_gmt":"2020-09-01T13:20:49","slug":"business-insurance-coverage-for-computer-equipment","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/","title":{"rendered":"Business Insurance Coverage for Computer Equipment"},"content":{"rendered":"<p>Getting the right business insurance for your company property might seem challenging, and one of the most critical items you want to protect is your computer systems. Still, you might not know whether your business insurance will cover these expensive and sensitive machines. The good news is it can, but you must make sure you have the proper coverage. Whether you offer employees laptops only, or have a multi-machine network, we can help you get the right policy. <\/p>\n<h5><span class=\"ez-toc-section\" id=\"What_Business_Insurance_Covers\"><\/span>What Business Insurance Covers <span class=\"ez-toc-section-end\"><\/span><\/h5><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#What_Business_Insurance_Covers\" >What Business Insurance Covers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#What_Business_Property_Insurance_Does_Not_Cover\" >What Business Property Insurance Does Not Cover<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Nearly all business insurance includes property coverage. It will help you repair or replace items like furniture, tools, supplies and other critical business items in case of unexpected damage. Usually, it can also cover computer equipment, but only for covered losses. It will not cover computers damaged by hazards the policy does not cover, however.<br \/>\nWhether your basic property insurance is enough coverage for all computers might depend on the size of your assets. For example, if you only have a few computers in the business, then the limits of your standard property insurance will likely be enough.<br \/>\nHowever, property insurance will likely cap how much aid it will provide for computers. As a result, you might need to buy a policy endorsement that will increase your coverage limits for computer systems. This will ensure that you receive more right coverage. You might also need to buy expanded coverage if you allow your employees to take computer equipment home with them. <\/p>\n<h5><span class=\"ez-toc-section\" id=\"What_Business_Property_Insurance_Does_Not_Cover\"><\/span>What Business Property Insurance Does Not Cover <span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Coverage for property damage usually only covers physical property. So, while damaged computers might have coverage, the data within them might not. You might also have no coverage for the cost of recovering this data or compensating customers who experience ramifications of lost data.<br \/>\nTherefore, if you ever face a data loss, breach, hack, ransomware attack or related incident, then you might have to look elsewhere to get covered. You might need a type of coverage called cyber liability insurance. The policy can help the business itself in recovering or replacing lost data. It can then help you cover the costs of compensating third parties, like customers, affected by the data loss.<br \/>\nYou will have to tailor your computer equipment\u2019s insurance to your own business\u2019s needs. Therefore, your agent will need to know the full picture of your computer use to be able to insure you appropriately. While they can provide you with a solid base of property insurance, they will likely need to add special endorsements to the policy. With that, they can make sure you will always have protection. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting the right business insurance for your company property might seem challenging, and one of the most critical items you want to protect is your computer systems. Still, you might not know whether your business insurance will cover these expensive and sensitive machines. The good news is it can, but you must make sure you have the proper coverage. Whether you offer employees laptops only, or have a multi-machine network, we can help you get the right policy. What Business Insurance Covers Nearly all business insurance includes property coverage. It will help you repair or replace items like furniture, tools, supplies and other critical business items in case of unexpected damage. Usually, it can also cover computer equipment, but only for covered losses. It will not cover computers damaged by hazards the policy does not cover, however. Whether your basic property insurance is enough coverage for all computers might depend on the size of your assets. For example, if you only have a few computers in the business, then the limits of your standard property insurance will likely be enough. However, property insurance will likely cap how much aid it will provide for computers. As a result, you might need to buy a policy endorsement that will increase your coverage limits for computer systems. This will ensure that you receive more right coverage. You might also need to buy expanded coverage if you allow your employees to take computer equipment home with them. What Business Property Insurance Does Not Cover Coverage for property damage usually only covers physical property. So, while damaged computers might have coverage, the data within them might not. You might also have no coverage for the cost of recovering this data or compensating customers who experience ramifications of lost data. Therefore, if you ever face a data loss, breach, hack, ransomware attack or related incident, then you might have to look elsewhere to get covered. You might need a type of coverage called cyber liability insurance. The policy can help the business itself in recovering or replacing lost data. It can then help you cover the costs of compensating third parties, like customers, affected by the data loss. You will have to tailor your computer equipment\u2019s insurance to your own business\u2019s needs. Therefore, your agent will need to know the full picture of your computer use to be able to insure you appropriately. While they can provide you with a solid base of property insurance, they will likely need to add special endorsements to the policy. With that, they can make sure you will always have protection.<\/p>\n","protected":false},"author":2,"featured_media":4342,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"Business Insurance Coverage for Computer Equipment Getting the right business insurance for your company property might seem challenging, and one of the most critical items you want to protect is your computer systems. Still, you might not know whether your business insurance will cover these expensive and sensitive machines. The good news is it can","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_metasync_otto_title":"","_metasync_otto_description":"","rank_math_title":"","rank_math_description":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-4598","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-swfl-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Business Insurance Coverage for Computer Equipment - SWFL Insurance<\/title>\n<meta name=\"description\" content=\"Business Insurance Coverage for Computer Equipment Getting the right business insurance for your company property might seem challenging, and one of the most critical items you want to protect is your computer systems. Still, you might not know whether your business insurance will cover these expensive and sensitive machines. The good news is it can\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business Insurance Coverage for Computer Equipment - SWFL Insurance\" \/>\n<meta property=\"og:description\" content=\"Business Insurance Coverage for Computer Equipment Getting the right business insurance for your company property might seem challenging, and one of the most critical items you want to protect is your computer systems. Still, you might not know whether your business insurance will cover these expensive and sensitive machines. The good news is it can\" \/>\n<meta property=\"og:url\" content=\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/\" \/>\n<meta property=\"og:site_name\" content=\"SWFL Insurance\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-01T13:20:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Florida-Rate-Increases.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"450\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"SWFL Insurance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"SWFL Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/\",\"url\":\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/\",\"name\":\"Business Insurance Coverage for Computer Equipment - SWFL Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/swflinsurance.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Florida-Rate-Increases.jpg\",\"datePublished\":\"2020-09-01T13:20:49+00:00\",\"author\":{\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b\"},\"description\":\"Business Insurance Coverage for Computer Equipment Getting the right business insurance for your company property might seem challenging, and one of the most critical items you want to protect is your computer systems. Still, you might not know whether your business insurance will cover these expensive and sensitive machines. The good news is it can\",\"breadcrumb\":{\"@id\":\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#primaryimage\",\"url\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Florida-Rate-Increases.jpg\",\"contentUrl\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Florida-Rate-Increases.jpg\",\"width\":450,\"height\":250},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/swflinsurance.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Business Insurance Coverage for Computer Equipment\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/swflinsurance.com\/#website\",\"url\":\"https:\/\/swflinsurance.com\/\",\"name\":\"SWFL Insurance\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/swflinsurance.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b\",\"name\":\"SWFL Insurance\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g\",\"caption\":\"SWFL Insurance\"},\"url\":\"https:\/\/swflinsurance.com\/author\/designer1mandmmultimedia-com\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Business Insurance Coverage for Computer Equipment - SWFL Insurance","description":"Business Insurance Coverage for Computer Equipment Getting the right business insurance for your company property might seem challenging, and one of the most critical items you want to protect is your computer systems. Still, you might not know whether your business insurance will cover these expensive and sensitive machines. The good news is it can","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/","og_locale":"en_US","og_type":"article","og_title":"Business Insurance Coverage for Computer Equipment - SWFL Insurance","og_description":"Business Insurance Coverage for Computer Equipment Getting the right business insurance for your company property might seem challenging, and one of the most critical items you want to protect is your computer systems. Still, you might not know whether your business insurance will cover these expensive and sensitive machines. The good news is it can","og_url":"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/","og_site_name":"SWFL Insurance","article_published_time":"2020-09-01T13:20:49+00:00","og_image":[{"width":450,"height":250,"url":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Florida-Rate-Increases.jpg","type":"image\/jpeg"}],"author":"SWFL Insurance","twitter_card":"summary_large_image","twitter_misc":{"Written by":"SWFL Insurance","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/","url":"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/","name":"Business Insurance Coverage for Computer Equipment - SWFL Insurance","isPartOf":{"@id":"https:\/\/swflinsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#primaryimage"},"image":{"@id":"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#primaryimage"},"thumbnailUrl":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Florida-Rate-Increases.jpg","datePublished":"2020-09-01T13:20:49+00:00","author":{"@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b"},"description":"Business Insurance Coverage for Computer Equipment Getting the right business insurance for your company property might seem challenging, and one of the most critical items you want to protect is your computer systems. Still, you might not know whether your business insurance will cover these expensive and sensitive machines. The good news is it can","breadcrumb":{"@id":"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#primaryimage","url":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Florida-Rate-Increases.jpg","contentUrl":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Florida-Rate-Increases.jpg","width":450,"height":250},{"@type":"BreadcrumbList","@id":"https:\/\/swflinsurance.com\/business-insurance-coverage-for-computer-equipment\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/swflinsurance.com\/"},{"@type":"ListItem","position":2,"name":"Business Insurance Coverage for Computer Equipment"}]},{"@type":"WebSite","@id":"https:\/\/swflinsurance.com\/#website","url":"https:\/\/swflinsurance.com\/","name":"SWFL Insurance","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/swflinsurance.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b","name":"SWFL Insurance","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g","caption":"SWFL Insurance"},"url":"https:\/\/swflinsurance.com\/author\/designer1mandmmultimedia-com\/"}]}},"_links":{"self":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts\/4598","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/comments?post=4598"}],"version-history":[{"count":0,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts\/4598\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/media\/4342"}],"wp:attachment":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/media?parent=4598"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/categories?post=4598"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/tags?post=4598"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}