What Does Appliance Repair Business Insurance Cover?
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 16
- 2 min read
Running an appliance repair business involves handling expensive equipment, traveling to customer locations, and sometimes working with electricity or plumbing. These factors expose your business to risks that can lead to costly claims. Understanding what appliance repair business insurance covers ensures you’re fully protected.
Key Coverages for Appliance Repair Businesses
Protects your business if a customer or third party is injured or if property is damaged while you are working. For example, if you accidentally scratch a client’s refrigerator or drop a washing machine, general liability insurance helps cover the costs.
Covers your tools, repair equipment, and office space in case of fire, theft, vandalism, or natural disasters. This ensures your essential business assets are protected.
If you have employees, workers’ compensation is essential. It covers medical expenses and lost wages if an employee is injured on the job, such as while lifting heavy appliances or using electrical tools.
If you use vehicles for service calls, deliveries, or transporting appliances, this insurance protects against accidents, damage, and liability on the road.
A BOP combines general liability and commercial property insurance into a single policy, often at a lower cost. This is ideal for small appliance repair businesses looking for comprehensive coverage.
Additional Coverages to Consider
Equipment Breakdown Insurance: Covers repair or replacement of damaged repair tools or machines.
Professional Liability Insurance: Protects against claims of negligence or mistakes in repair work.
Cyber Liability Insurance: Useful if your business stores customer data digitally.
💡 Tip: Every appliance repair business has unique risks, so customizing coverage based on your services, team size, and locations is essential.
How to Get a Quote
Getting appliance repair business insurance is straightforward. Here’s a quick guide:
Assess Your Business Risks: Number of employees, types of appliances, frequency of service calls.
Gather Your Business Information: Licensing, revenue, vehicles, equipment list.
Request a Quote: Compare multiple providers to find coverage and premiums that fit your business.
For a fast, tailored quote, Wexford Insurance specializes in coverage for appliance repair businesses: Get a Quote from Wexford Insurance.
