Of course, as far as records go, you should be backing up your computer files on a regular basis and storing them off-site. I shouldn't have to say this twice. Costs and Coverage State Farm offers three reasonable options for all types of shoppers. Or, if you are just a tech junkie, you should consider the Personal Computer Increased Special Limits of Liability Endorsement. Again, the deductible is the same.
Policies offered by trade and professional groups tend to have lower rates than individual coverage.
Owing to the quirks of the Net, the trade group URLs I found at the beginning of my research became nonaccessible by the end of my research. But it may be worth your time to scout around for such organizations. The cost depends on the location, type of business, and coverage limits selected. It also protects against damage or theft of business property and protects other people's property that is in the care of the insured. Finally, it also includes coverage for loss of income and ongoing operating expenses and payroll reimbursement when a disaster interrupts business activities.