Protect your computer business and meet California's legal requirements

Whether you’re repairing hardware, managing networks or providing IT consulting, your computer services business keeps California connected. Unfortunately, one accident (a server fire, a software installation fail, or a freeway collision in a company car) can put your whole business at risk. That’s why computer service providers across California look for affordable insurance that meets state requirements and protects their equipment, team and income. This guide breaks down:

California's required coverages
The most recommended protections
How to save money on business insurance
How to get fast quotes from top-rated insurance carriers

QUICK SUMMARY (Because we know you're busy debugging)

Computer services in California face specific risks that require customized insurance coverage.
A Business Owner’s Policy for computer businesses saves you money by bundling general liability, property insurance and optional business interruption coverage.
General liability insurance for computer service providers covers injuries and damages caused by your business, as well as advertising-related claims.
Computer service property insurance helps replace or repair damaged equipment, furnishings and inventory.
Workers’ compensation for computer services employees is required by California and covers staff injuries and lost wages.
Professional liability (sometimes called errors and omissions) for computer service companies protects against claims of negligence or harm from your services.
Commercial auto for computer businesses is required in California if you use vehicles for business purposes.
Cyber insurance for computer professionals covers data breaches, including regulatory fines and digital recover costs
Working with Mylo can help you find the right coverage at the best value.

FIVE BEST INSURANCE COVERAGES FOR CALIFORNIA COMPUTER BUSINESSES:

Here are five essential coverages every computer services professional should consider to stay protected and profitable:

1. Business Owner's Policy for computer service providers

A business owner’s policy (BOP) is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing computer service companies. Your BOP typically includes:

GENERAL LIABILITY FOR COMPUTER BUSINESSES covers legal and medical costs if a client is injured or their property damaged in your space or while you're performing services. It also protects you from advertising-related claims.

A client trips over cables in your office and suffers an injury
You accidentally damage a client's expensive office furniture
A competitor accuses you of copying their logo or slogan

COMPUTER SERVICE PROPERTY INSURANCE helps repair or replace your space and equipment if disaster strikes – like fire, theft, or vandalism. Examples:

A fire damages your servers and networking equipment.
A break-in results in stolen laptops and tools.

BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily close your salon due to covered property damage.

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2. Workers' compensation (required in California)

If you have employees, California requires workers’ compensation. It covers medical care and lost wages for staff injured on the job – and shields you from most employee lawsuits. Examples:

A technician develops carpal tunnel syndrome from repetitive tasks.
An employee trips over a server rack and suffers a fracture.

3. Professional liability for computer service providers

Also known as E&O (errors and omissions) insurance, this coverage protects you from claims of claims of negligence, mistakes or failure to deliver promised services. Examples:

A customer claims your work damaged their computer system.
A software installation causes system downtime for a client.
A data migration error results in lost files.

4. Commercial auto (required in California)

If you have company vehicles or use personal vehicles for business purposes, you must carry commercial auto insurance. It helps pay for:

Damage or injuries your vehicles cause to others
Damage to your vehicles (optional physical damage coverage)

5. Cyber insurance for computer service providers

You won't be shocked to learn that Computer-related businesses are prime targets for cyberattacks. Cyber insurance helps cover breach response, regulatory fines, and recovery costs. Examples:

Hackers steal sensitive client data from your servers.
A ransomware attack locks your systems until a payment is made.

Get the best computer service insurance in California

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years. Because we don't sell our insurance, we can give you an objective recommendation and find you the best value in California – at no cost to you.

In minutes Mylo will:

Recommend the right coverage for your California company
Compare quotes from top-rated insurance carriers
Find you the best combination of coverage and price
Keep you feeling confident about growing your business!

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COMPUTER SERVICES INSURANCE FAQs

What computer services coverages are required by California?

California requires COMMERCIAL AUTO for any vehicle you operate. If you have employees, you also need to carry WORKERS' COMPENSATION. California doesn’t require GENERAL LIABILITY, but many of your contracts with landlords, partners and vendors will.

Why should I shop for a BUSINESS OWNER'S POLICY (BOP)?

A BUSINESS OWNER'S POLICY saves you money by combining GENERAL LIABILITY (which helps you pay for medical expenses or lawsuits if someone is accidentally injured by your business) with PROPERTY (which helps repair or replace your lost, stolen or damaged business property) and BUSINESS INTERRUPTION (which compensates you for lost revenue because of property damage). Also, "BOP" is fun to say. We won't judge.

What special risks do I have as a computer services professional?

Your company is vulnerable to lawsuits from clients who are unhappy with your work or claim you caused damage to their systems. You may also take on employees who don't know the job as well as you do. PROFESSIONAL LIABILITY helps you handle surprise legal expenses connected to your services.

What are some ways I can save money on insurance?

You may be able to bundle your most essential coverages (GENERAL LIABILITY, PROPERTY and BUSINESS INTERRUPTION) in a money-saving BUSINESS OWNER'S POLICY. In addition, Mylo makes it easy to compare the best quotes from multiple top-rated carriers so you can find the right coverage at the best value in California.

How do I get a Certificate of Insurance (COI)?

A CERTIFICATE OF INSURANCE provides proof to your clients that they can do business with you and not be on the hook financially if something goes wrong. Once Mylo has helped you purchase a policy, you can request a free certificate of insurance (COI) directly from your new carrier. Contact information for your insurance carrier will be included in the email your Mylo agent sends out with your policy documents.

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Ready to untangle another tricky topic?

Protect what matters: your business

Why business insurance? That’s easy – it’s designed to keep you in business. When certain losses come along, you can dodge bankruptcy and stay on top of your game.

Who pays for employee car accidents?

When employees get into accidents while driving their own cars at work, who pays? Learn about the tricky intersection between commercial and personal auto.

When should I shop for a BOP?

Good news: if you’re a BOP holder, you always get the “special” top tier of business insurance. You’re platinum, baby! Learn more benefits & options.

The right coverage for you? Surprisingly simple.