ASURION 2 Year B2B Laptop Accident Protection Plan ($1500 -
✅ PROS
- Covers drops, spills, and cracked screens — the three most common laptop failures — with no per-claim cap beyond the plan's purchase price tier
- Claims can be filed entirely online with photo evidence; most approved claims ship a replacement within 3-5 business days
- Transferable if you sell the laptop, which adds resale value for business fleets
❌ CONS
- Non-refundable after 30 days, even if you never file a claim — you're betting on a failure that may not happen
- Deductible of $99 per claim eats into the value for minor repairs like a $150 screen replacement
- Does not cover cosmetic damage, so a dented corner with no functional issue won't qualify
The Verdict
Is ASURION’s 2-Year B2B Laptop Accident Protection Plan worth your money?
Here’s the honest math: if you carry a $1,500+ laptop through airports, coffee shops, and client meetings, you’ve got roughly a 1-in-4 chance of dropping it or spilling something on it within two years. That’s why this plan exists. The question is whether ASURION’s execution matches the need.
What you actually get
The plan covers accidental damage — drops, liquid spills, cracked screens, and electrical surges — for laptops in the $1,500–$1,999.99 price tier. It’s a two-year term, not a perpetual warranty. You get unlimited claims up to the laptop’s purchase price, though each claim carries a $99 deductible.
The claim process is refreshingly modern: you file online, upload photos of the damage, and ASURION either repairs the unit or ships a replacement — typically within 3-5 business days after approval. No boxing up your dead laptop and waiting weeks for a depot repair.
Where it shines
The B2B angle matters. Unlike consumer plans that tie coverage to a single owner, this plan is transferable if you sell the laptop — a real advantage for businesses that rotate hardware. It also covers electrical surges, which fried more than a few laptops during last summer’s storm season.
Customer feedback at 4.0 stars across 200 ratings is solid for an insurance product. One verified buyer noted: “Dropped my ThinkPad off a table, screen cracked. Filed Tuesday, new laptop Friday. Zero hassle.” Another praised the photo-based claims: “Didn’t have to ship my broken laptop anywhere first. They just approved and sent a replacement.”
Where it falls short
The $99 deductible is the friction point. If you crack a screen that costs $180 to repair, you’re paying $99 out of pocket plus whatever ASURION charges for the repair itself. For minor damage, you might be better off paying out of pocket and saving the plan premium for a real catastrophe.
The 30-day cancellation window is tight and non-refundable after that. Unlike some competitors that prorate refunds, ASURION keeps your money even if you never file a claim. And cosmetic damage — dents, scratches, worn hinges — isn’t covered, which surprises some buyers expecting “accidental damage” to include everything.
Who should buy this
- Travel-heavy professionals who log 50+ flights a year with a laptop bag
- Business fleet managers outfitting 10+ employees who can’t be trusted with hot coffee
- Anyone with a $1,500+ laptop who’s had a close call in the past and knows the feeling of watching a laptop tip toward a tile floor
Who should skip it
- Desk-bound users whose laptop never leaves a docked setup
- Budget-conscious buyers who’d rather self-insure and bank the premium
- Anyone with a laptop under $1,200 — the deductible-to-value ratio gets ugly
FAQ
Q: Does this cover theft? A: No. This is accident-only coverage. Theft and loss require a separate policy like Worth Ave Group or your business insurer.
Q: Can I file multiple claims? A: Yes, up to the laptop’s purchase price. Each claim still carries the $99 deductible, so three claims means $297 in deductibles.
Q: What happens if my model is discontinued? A: ASURION replaces it with a comparable current model at their discretion. You don’t get to pick — but you do get a working laptop, which is the point.
The Verdict: 4.2/5
Buy it if you’re a road warrior or managing a fleet of expensive business laptops. The transferable coverage and fast replacement process are genuinely valuable.
Skip it if your laptop rarely moves, you’re on a tight budget, or you’re confident in your ability to not spill coffee on $1,800 worth of silicon.
This plan won’t make financial sense for everyone. But for the mobile professional whose laptop is their livelihood, $99 and a two-day turnaround beats a $700 motherboard replacement every time.
Where to Buy
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Last updated: 2026-08-06. Ratings and prices current as of review date. Verify on Amazon before purchasing.