Do You Need Liability Insurance for an Appliance Repair Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 16
- 2 min read
Running an appliance repair business involves more than just fixing washers, dryers, and refrigerators. Every service call carries potential risks—damaging a client’s property, causing accidental injury, or being held responsible for a faulty repair. This is why liability insurance is not just recommended—it’s essential.
What is Liability Insurance?
Liability insurance protects your business from claims made by third parties for bodily injury, property damage, or other losses. In the context of an appliance repair business, it can cover incidents such as:
A client slipping while you are installing a dishwasher
Accidental damage to a customer’s appliance or flooring
Claims arising from improper installation or repair
Without liability insurance, your business could be responsible for paying these costs out-of-pocket, which can quickly become expensive.
Why Appliance Repair Businesses Should Have Liability Insurance
Even if you are careful and experienced, accidents happen. Liability insurance offers:
Financial Protection: Covers legal fees, medical expenses, and repair costs related to claims.
Peace of Mind: Knowing you are protected allows you to focus on growing your business.
Professional Credibility: Many clients and commercial contracts require proof of insurance before allowing service on their property.
💡 Tip: Some states or clients may even legally require certain types of liability coverage.
While general liability is the core coverage, appliance repair businesses may benefit from:
General Liability Insurance: Covers injuries and property damage to third parties.
Professional Liability Insurance (Errors & Omissions): Covers claims of negligence or mistakes in repair work.
Commercial Auto Liability: If you transport appliances or use company vehicles, this protects against accidents on the road.
Having the right combination ensures your business is fully protected against common risks.
How to Get Liability Insurance
To get liability insurance, you’ll need to provide:
Business license and registration details
Number of employees
Types of appliances serviced
Estimated annual revenue
Vehicles and equipment used in operations
The easiest way to get a tailored quote is through a specialist. Wexford Insurance provides customized liability insurance for appliance repair businesses. Start your quote here: Get a Quote from Wexford Insurance.
