How to Get Appliance Repair Business Insurance: Step‑by‑Step Guide
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 16
- 2 min read
Running an appliance repair business comes with risks—from accidental damage to customer property to potential injuries on the job. Securing the right business insurance not only protects your company but also builds trust with clients. Here’s a complete step‑by‑step guide on how to get appliance repair business insurance.
Step 1: Understand the Types of Insurance You Need
For an appliance repair business, consider these essential coverages:
General Liability Insurance: Protects against third-party injuries or property damage caused during repairs.
Commercial Property Insurance: Covers your tools, repair equipment, and office space from theft, fire, or other damages.
Workers’ Compensation Insurance: Required if you have employees, covering workplace injuries and medical expenses.
Commercial Auto Insurance: Necessary if you use vehicles for service calls or deliveries.
💡 Tip: Each state may have different insurance requirements for appliance repair businesses. Check your local regulations.
Step 2: Assess Your Business Risks
Determine your specific risk factors. For example:
Do you work in residential homes, commercial buildings, or both?
Do you transport expensive appliances regularly?
How many employees do you have?
This assessment helps you tailor your policy to your unique needs.
Step 3: Gather Your Business Information
Insurance providers will typically ask for:
Business license and registration details
Number of employees
Types of appliances repaired
Annual revenue and projected growth
Vehicle details if using company cars
Having these ready speeds up the quote process.
Step 4: Shop Around and Compare Quotes
Look at multiple providers to find the best coverage for your budget. Trusted companies in the industry include:
Wexford Insurance – offering tailored quotes for appliance repair businesses
Progressive Commercial – known for commercial auto and liability coverage
The Hartford – offers comprehensive small business policies
When comparing, pay attention to coverage limits, deductibles, and exclusions.
Step 5: Get a Quote and Review the Policy
Once you’ve identified the right insurer, request a personalized quote. Carefully review:
Coverage limits
Exclusions (e.g., certain appliance types or damage scenarios)
Premiums and payment options
Claim process
💡 Pro Tip: Wexford Insurance offers a free, fast quote for appliance repair businesses. You can get started here: Request a Quote from Wexford Insurance.
Step 6: Maintain and Update Your Insurance
Your business will evolve, and so should your insurance. Update your policy if:
You hire more employees
Expand services to new locations or appliance types
Purchase additional vehicles or equipment
Regularly reviewing your insurance ensures you’re always protected.
