Running in a computer repair shop is not always the most glamorous work, but it is something that Lisa loves. Lisa started as an employee and eventually bought the shop she runs now. The business has a solid customer base, and helps both people and businesses with their needs.
One afternoon, while working on a business client’s laptop, something made her stop and think. What if a fix made things worse and shut down their entire system for the day? It was the kind of moment that made her ask a question she hadn’t really thought about before. What happens to my shop if I make a mistake?
That one question led her to learn about professional liability insurance.
Professional Liability Insurance Covers Your Mistakes
Lisa found out that professional liability coverage is designed for situations where a mistake happens while doing your job. If she accidentally deletes important files, installs the wrong software, or damages a motherboard during a repair, this type of insurance coverage can help make the customer whole.
It doesn’t matter how careful you are. When you work on machines and networks that people depend on, something can always go wrong. Knowing that this type of coverage exists made Lisa feel like she was finally asking the right questions. But it wasn’t just about the repair itself—it was also about what could happen after.
Protection From Lawsuits Over Bad Advice
Sometimes customers don’t just want a refund. Sometimes they want to sue. Lisa remembered a story of a tech shop in Ft Worth being taken to court because the technician had provided some bad advice on their network security and backup process. When they got hacked without cyber liability insurance, they went after anyone and everyone.
Even if Lisa didn’t do anything wrong, she could still end up in court if that customer wanted to sue. A professional liability policy will help her find an attorney who specializes in this kind of defense. It also helps cover legal costs and settlements if it comes to that.
Lisa had spent a lot of money to acquire the business, and the thought of what would happen to her savings if she had to fight a legal battle on her own made her stomach churn. She wondered if her current business insurance policy helps with things like that?
General liability does not cover this kind of risk
Lisa remembered signing up for general liability coverage when she first took over the shop. She got her policy online and thought it covered everything. But as she looked closer, she saw something important.
General liability coverage helps if someone slips and falls in your store or if you accidentally break something you don’t own. that is called bodily injury or property damage coverage. But, and this is the important part, it doesn’t help if you mess up repair services or give bad advice.
That kind of risk is more likely than a slip and fall with tech work. Lisa realized she had a gap in her coverage and that professional liability insurance was the only thing that could fill it if she made a technology error. And once she understood that, something else became clear.
It builds trust with business clients
Lately, Lisa had been getting more calls from offices, clinics, and schools that need regular repair service and ongoing support for their operations. They weren’t just looking for a quick repair, but an ongoing maintenance contract that would help provide her business consistent income. The businesses wanted someone they could count on through a service agreement.
As she began these conversations, they were asking for proof of insurance. Not just any types of insurance, but the professional liability insurance she had been contemplating.
Lisa saw that having errors and omissions coverage, otherwise known as professional liability insurance, didn’t just protect her shop. It also helped her grow. These business clients wanted to know they were working with someone professional and prepared.
Protecting Your Reputation And Business Finances
Lisa worked hard to build her shop’s good name in the community. A bad review or an angry customer could hurt that reputation fast. A lawsuit or a big mistake could hurt even more due to the financial losses associated with it.
Professional liability gave her a way to make things right without wrecking her business by shifting this risk to the insurance company. If something went wrong, she’d have the tools and financial protection to fix the situation before it spiraled out of control.
That peace of mind gave her the confidence to keep saying yes to more clients and bigger jobs.
Work With Someone Who Understands Tech Insurance
Lisa didn’t try to guess her way through selecting professional liability insurance. She found an experienced commercial insurance agent who understood her computer repair business. They sat down and talked through what kind of work she did, what could go wrong, and what coverage would protect her from real-world problems.
True Texas Technology Insurance is a program from Insurance For Texans designed to help tech businesses like hers in Texas find a customized solution for their insurance needs. She now knew that she could work with coverage limits that would help her when she needed it.
Now, Lisa doesn’t worry when she’s fixing a server or taking on a new client. She knows she’s protected if something goes sideways.
Click the button below to get started with True Texas Technology Insurance, only from Insurance For Texans.