Appliance Repair Business Insurance Requirements by State
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 16
- 2 min read
Appliance repair businesses face unique risks—from accidental property damage to employee injuries. Because of this, insurance is not optional. However, the type of coverage required varies depending on your state’s regulations. Understanding these requirements is crucial for compliance and for protecting your business.
Core Insurance Types for Appliance Repair Businesses
Before diving into state-specific rules, here are the essential insurance types most appliance repair businesses need:
General Liability Insurance: Covers property damage or injuries to third parties during repairs.
Workers’ Compensation Insurance: Required if you have employees; covers medical expenses and lost wages from workplace injuries.
Commercial Property Insurance: Protects tools, equipment, and workspace from theft, fire, or other damages.
Commercial Auto Insurance: Required if you transport appliances or use company vehicles.
Business Owner’s Policy (BOP): Combines general liability and property coverage, often at a lower cost.
State-by-State Considerations
Insurance regulations differ significantly by state:
California: Workers’ compensation is mandatory for any employee. Liability and property insurance aren’t required but are strongly recommended.
Texas: Workers’ compensation is optional unless you operate in certain industries; liability insurance is highly advised.
New York: Workers’ compensation and disability insurance are required; liability insurance is optional but essential for service businesses.
Florida: Requires workers’ compensation for businesses with four or more employees; general liability is recommended.
Illinois: Workers’ compensation is required for all businesses with employees; commercial property and liability coverage are optional but common.
💡 Pro Tip: Always check your state’s Department of Insurance website for the latest requirements.
How to Ensure Compliance and Coverage
Assess Your Business Needs: Consider the number of employees, service area, and types of appliances repaired.
Consult an Insurance Specialist: Wexford Insurance specializes in appliance repair businesses and can provide tailored coverage to meet state requirements and your business needs.
Compare Quotes: Review multiple providers to ensure you’re getting the right coverage at a competitive price.
Start your quote with Wexford Insurance here: Get a Quote from Wexford Insurance.
