Why Appliance Repair Businesses Get Claims and How Insurance Protects You?
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 16
- 2 min read
Appliance repair businesses operate in a high-risk environment. Technicians handle heavy equipment, work in client homes, and transport tools and appliances daily. Even experienced professionals can face accidents or mistakes that lead to insurance claims. Understanding why claims happen and how insurance protects your business is essential for any appliance repair company.
Common Reasons Appliance Repair Businesses Get Claims
Property Damage: Dropping a refrigerator, scratching a countertop, or spilling fluids can lead to claims. Customers may seek compensation for damages, and repairs can be expensive if not covered.
Injuries to Clients or Third Parties: Accidents can happen during service calls. A slip, fall, or other minor injury could result in a claim. Liability insurance protects your business from paying these costs out-of-pocket.
Employee Injuries: Technicians lifting heavy appliances or using electrical equipment are at risk. Workers’ compensation insurance covers medical expenses and lost wages for injured employees, helping your business stay compliant and protected.
Vehicle or Equipment Damage: Appliance repair businesses rely on vans, trucks, and specialized tools. Accidents, theft, or damage to equipment can disrupt operations and become costly. Tools coverage and commercial auto insurance help mitigate these risks.
Mistakes or Negligence: If an appliance is installed incorrectly or malfunctions due to human error, a customer could make a claim. Professional liability or errors & omissions insurance can help cover these scenarios.
How Insurance Protects Your Appliance Repair Business
Insurance acts as a safety net, keeping your business financially secure:
General Liability Insurance: Covers property damage and third-party injuries.
Workers’ Compensation: Protects employees and shields your business from lawsuits related to workplace injuries.
Commercial Property and Tools Coverage: Replaces stolen or damaged tools and equipment.
Commercial Auto Insurance: Covers vehicles used for service calls, including accidents and liability claims.
💡 Tip: Having comprehensive insurance helps you focus on running your business with confidence, knowing that accidents or claims won’t bankrupt you.
Getting the Right Coverage
Before requesting a quote, prepare:
Business license and registration details
Number of employees
List of tools, equipment, and vehicles
Types of appliances serviced
Estimated annual revenue
Once ready, you can compare providers. Wexford Insurance specializes in appliance repair businesses and offers tailored coverage options to protect against the most common claims: Get a Quote from Wexford Insurance.
