Coverage requirements

Mobile Electronics Retailers

Retail59% completeness
Run gap analysis

Last updated November 2026 · Maintained and reviewed by the Advocate Insurance Consultants coverage research team.

Overview

What an adequately protected Mobile Electronics Retailers program looks like

Mobile electronics stores sell and install cellular phones, navigation and GPS devices, radar detectors, televisions, and backup cameras in customers' vehicles. Installation work exposes technicians to electrical hazards and injuries such as strains, cuts, and lacerations. They serve vehicle owners seeking aftermarket electronics. Mobile electronics retailers get limit, deductible, and carrier-quality standards across Auto Liability, General Liability, Worker's Compensation, Fidelity Bond, Physical Property, all calibrated in this Advocate Standard profile to the risks that hit hardest.

Key takeaways

  • Spans 138 published requirements across 40 coverage type-peril pairs.
  • Applies to 2 asset types: Retail - Generic, Retailer.
  • Covers 14 coverage types and 14 distinct perils.

At a glance

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Requirements
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Perils
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Completion score

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9 of 40 WIM pairs required

Coverage tower

Required limits by coverage type and peril

Property8 coverage types

Fidelity Bond

Overall limit$100K

Business Income

Flood≥ Business Income Amount for Buildings in an SFHA
TRIA - Property≥ Business Income Amount
Earthquake≥ Business Income Amount
Named Storm≥ Business Income Amount
Water / Sewer Backup≥ Business Income Amount
Wildfire≥ Business Income Amount
Wind Hail≥ Business Income Amount
Overall limit≥ Business Income Amount

Physical

Flood≥ RCV / Insurable Value of First 2 Floors Above Grade + any Floors Below Grade of Buildings Located in an SFHA
TRIA - Property≥ RCV of Existing Structure / Insurable Value
Earthquake≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Water / Sewer Backup≥ RCV of Existing Structure / Insurable Value
Wildfire≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value

Builder's Risk

Overall limit≥ RCV of Existing Structure / Insurable Value

Business Personal Property

Overall limit≥ RCV of Existing Structure / Insurable Value

Inland Marine

Fire≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Theft≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Water Damage≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Overall limit≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Limited Fungus

Overall limit$15K

Ordinance or Law

Earthquake≥ RCV of Existing Structure / Insurable Value
Flood≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value
Liability6 coverage types

Auto Liability

Hired & Non-Owned Auto$5M
Owned Auto$5M
Overall limit$5M

Disability Liability

Overall limit$2M

Employer's Liability

Overall limit$2M

Worker's Compensation

Overall limit$500K

General Liability

Overall limit$2M
Assault & Battery$5M

Terrorism Liability

TRIA - Liability$2M
Overall limit$2M

Requirements

Full requirement set for Mobile Electronics Retailers

Every requirement in the Advocate standard, 138 rows across limits, deductibles, carrier rating, and presence checks. Search and filter to drill in.

Group
Type
Peril

Showing 50 of 138 matching · 138 total

RequirementPerilRequirement typeApplicabilityRequirement
Property › Builder's RiskAcceptable Blanket Builder's Risk DeductibleOverallDeductibleBlanketBlanket Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income DeductibleOverallDeductibleBlanketBlanket Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Named Storm DeductibleNamed StormDeductibleBlanketBlanket Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Wind Hail DeductibleWind HailDeductibleBlanketBlanket Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Blanket Business Personal Property DeductibleOverallDeductibleBlanketBlanket Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Blanket Inland Marine DeductibleOverallDeductibleBlanketBlanket Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Blanket Limited Fungus DeductibleOverallDeductibleBlanketBlanket Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Blanket Ordinance or Law DeductibleOverallDeductibleBlanketOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical DeductibleOverallDeductibleBlanketBlanket Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Blanket Physical Named Storm DeductibleNamed StormDeductibleBlanketBlanket Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Blanket Physical Wind Hail DeductibleWind HailDeductibleBlanketBlanket Physical Wind Hail deductible must not exceed 5% of the insured value.
Property › Builder's RiskAcceptable Scheduled Builder's Risk DeductibleOverallDeductibleScheduledScheduled Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income DeductibleOverallDeductibleScheduledScheduled Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Named Storm DeductibleNamed StormDeductibleScheduledScheduled Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Wind Hail DeductibleWind HailDeductibleScheduledScheduled Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Scheduled Business Personal Property DeductibleOverallDeductibleScheduledScheduled Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Scheduled Inland Marine DeductibleOverallDeductibleScheduledScheduled Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Scheduled Limited Fungus DeductibleOverallDeductibleScheduledScheduled Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Scheduled Ordinance or Law DeductibleOverallDeductibleScheduledOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical DeductibleOverallDeductibleScheduledScheduled Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Named Storm DeductibleNamed StormDeductibleScheduledScheduled Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Wind Hail DeductibleWind HailDeductibleScheduledScheduled Physical Wind Hail deductible must not exceed 5% of the insured value.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have AM Best rating >= A- and size >= VII.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have an AM Best Rating that meets the required Letter and Financial Size ratings.
Liability › Worker's CompensationStatutory Workers Compensation ConfirmedOverallOtherAllWorkers Compensation must be at statutory limits with Employers Liability.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto Excess/Umbrella LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto Excess/Umbrella LimitOwned AutoLimitAllOwned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto LimitOwned AutoLimitAllOwned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability Excess/Umbrella LimitOverallLimitAllAuto Liability must carry an excess/umbrella limit of at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability LimitOverallLimitAllAuto Liability must carry a combined single limit of at least $1,000,000.
Property › Builder's RiskSufficient Blanket Builder's Risk LimitOverallLimitBlanketBlanket Builder's Risk limit must be at least the RCV / insurable value.
Property › Business IncomeSufficient Blanket Business Income - Certified Acts of Terrorism LimitTRIA - PropertyLimitBlanketBlanket Business Income (Certified Acts of Terrorism) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Earthquake LimitEarthquakeLimitBlanketBlanket Business Income (Earthquake) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Named Storm LimitNamed StormLimitBlanketBlanket Business Income (Named Storm) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Water / Sewer Backup LimitWater / Sewer BackupLimitBlanketBlanket Business Income (Water / Sewer Backup) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wildfire LimitWildfireLimitBlanketBlanket Business Income (Wildfire) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wind Hail LimitWind HailLimitBlanketBlanket Business Income (Wind Hail) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income LimitOverallLimitBlanketBlanket Business Income limit must be at least the 12-month business income value.
Property › Business Personal PropertySufficient Blanket Business Personal Property LimitOverallLimitBlanketBlanket Business Personal Property limit must be at least the RCV / insurable value.
Property › Inland MarineSufficient Blanket Inland Marine - Fire LimitFireLimitBlanketBlanket Inland Marine (Fire) limit must be at least the value in care, custody & control.
Property › Inland MarineSufficient Blanket Inland Marine - Theft LimitTheftLimitBlanketBlanket Inland Marine (Theft) limit must be at least the value in care, custody & control.
Property › Inland MarineSufficient Blanket Inland Marine - Water Damage LimitWater DamageLimitBlanketBlanket Inland Marine (Water Damage) limit must be at least the value in care, custody & control.
Property › Inland MarineSufficient Blanket Inland Marine LimitOverallLimitBlanketBlanket Inland Marine limit must be at least the value in care, custody & control.

88 more requirements

Compliance

Who requires Mobile Electronics Retailers

  • General liability naming the property owner as additional insured is the landlord's requirement for a mobile electronics shop leasing retail and installation-bay space.
  • Electronics manufacturers and distributors supplying head units, GPS devices, and accessories on trade terms may request coverage confirmation.
  • Customers leaving vehicles for installation rely on the shop's coverage of their vehicle while in its care.
  • Lenders financing installation equipment, bays, or inventory record their interest on property.
  • Because technicians install electronics inside customers' vehicles, which puts those vehicles in the shop's care, custody, and control, both customers and suppliers depend on the retailer carrying garagekeepers-style and completed-operations coverage.

Carrier standard. Carrier must have AM Best rating >= A- and size >= VII.

Advocate runs these checks automatically for the brokers who place retail coverage.

Exclusions

What Mobile Electronics Retailers does not cover

  • General liability, business personal property, and inland marine sit at the core, but vehicle installation reshapes the exposure.
  • A customer's vehicle in the bay for installation is in the shop's care, which general liability excludes, so garagekeepers-style coverage is needed for damage to that vehicle from fire, theft, or technician error.
  • Faulty-installation claims, such as an electrical fault that damages a vehicle or causes a fire, are a completed-operations exposure requiring a real limit.
  • High-value electronics inventory may be sublimited against theft unless scheduled.
  • Flood and earthquake are excluded.
  • The package carries no cyber line, so card-data and online-order breaches sit uninsured without a separate placement.

Risk advisory

Typical coverage gaps in Retail

Mobile electronics retailers should add garagekeepers-style coverage for customer vehicles in the installation bay, because a vehicle in for a stereo or GPS install is in the shop's care and general liability excludes it, leaving an uninsured gap if the vehicle is damaged or catches fire from a wiring fault.

  • Confirm completed-operations liability answers claims that a faulty installation damaged the vehicle or caused an electrical fire after the customer drove away.
  • Schedule high-value electronics inventory against theft, since it is a prime target.
  • When setting business income, factor in the time needed to restock after a loss.
  • Add cyber liability for online sales and card payments, and document installation and wiring standards, which support both safety and favorable coverage terms.

FAQ

Frequently asked questions

Are customer vehicles covered while in for electronics installation?

Not under general liability, which excludes property in your care. A customer's vehicle in the installation bay is in the shop's care, custody, and control, so garagekeepers-style coverage is needed to pay for damage from fire, theft, or technician error while the vehicle is being worked on.

Does mobile electronics insurance cover a faulty installation?

Completed-operations liability responds to claims that a faulty installation, such as a wiring error that causes an electrical fire or damages the vehicle, harmed the customer after the work was done. Because installation defects can surface later, confirm this coverage is present at an adequate limit.

What insurance does a car audio and electronics installer need?

A mobile electronics retailer typically needs general liability, garagekeepers-style coverage for customer vehicles in the bay, completed-operations coverage for faulty installs, property and inland marine scheduling high-value inventory against theft, workers' compensation, and cyber liability for online and card sales.

Maintained by

About this coverage standard

This profile is maintained by the Advocate Insurance Consultants coverage research team, which maintains the Coverage Library benchmarks against the World Insurance Model taxonomy and reviews each standard against live market placements. It is general guidance, not legal or coverage advice. Verify requirements against the actual policy and contract.

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