Electronics store owners keep their shelves stocked with the latest technologies. Yet they still face every day exposures that can result in devastating losses due to fire or theft or liability claims due to slip and falls. Choose our "A++ rated carrier for coverage to fit the needs of your electronics store.

Ineligible Electronic Stores
Please note we cannot offer coverage to the following:

• Armed security guards or weapons on the premises
• Modifications performed on any product
• Products sold under the applicant’s name or label
• Direct importing of products or product assembly
• Used products sold
• Sale, service, maintenance or repair of security systems
• Risks located in AK, LA or WV

Available Coverage for Electronic Stores

• Businessowners policy (BOP) form
• General liability that expands the definition of bodily injury to include mental anguish or emotional distress with no deductible
• Non-owned and hired auto coverage
• Loss of income on actual loss sustained basis up to the stated limit
• No coinsurance clause; no classification limitation or designated premises endorsement
• Personal property of others up to the contents limit • $5,000 transit coverage
• Replacement cost available
• Special cause of loss including theft available
• Equipment breakdown coverage available
• Value Plus Endorsement - 13 valuable coverage enhancements, including water backup, money and securities, employee dishonesty, valuable papers, signs, accounts receivable and more

Coverage Limits Available for Electronic Stores

• Maximum property value of $3,000,000 or in coastal regions up to $500,000 excluding wind/hail
• Liability limits up to $1,000,000/2,000,000
• Commercial umbrella liability available with limits up to $5,000,000

​Optional Coverage for Electronic Stores

• Special form is available
• Equipment breakdown
• Non-owned and hired auto - no delivery service
• Money and securities coverage
• Signs
• Glass test

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