What Kind of Insurance Do I Need for an Appliance Repair Contractor Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Aug 19
- 2 min read
Updated: Aug 22
Starting an appliance repair contractor business is a great opportunity in today’s service-driven economy. Whether you're fixing refrigerators, ovens, washers, dryers, or dishwashers, protecting your business with the right insurance is essential.
In this blog, we’ll break down the types of insurance coverage appliance repair contractors need to operate safely, legally, and confidently.
Why Insurance Matters for Appliance Repair Contractors
Appliance repair work involves entering customers’ homes, handling expensive equipment, and working with electrical systems. Without proper insurance, a single accident or claim could put your business at serious financial risk.
At Wexford Insurance, we specialize in helping appliance repair businesses find tailored coverage that fits their unique needs. We work with top insurance carriers to provide affordable, comprehensive protection.
Essential Insurance Coverages for Appliance Repair Contractors
Here are the five key types of insurance coverage every appliance repair contractor should consider:
This is the foundation of your business protection. It covers third-party claims for bodily injury or property damage—such as accidentally damaging a customer’s appliance or flooring during a repair.
If you use a vehicle to travel between job sites, you need commercial auto coverage. It protects your business vehicle in case of accidents, theft, or damage while on the job.
If you operate out of a physical location or store tools and inventory, this coverage protects your property from fire, theft, vandalism, and other covered events.
This policy covers the cost of repairing or replacing your specialized tools and diagnostic equipment if they’re lost, stolen, or damaged.
For high-value machinery or advanced repair tools, equipment insurance provides broader protection—including accidental damage, breakdowns, and theft.
How Wexford Insurance Can Help
Wexford Insurance is a niche-focused agency that understands the appliance repair industry. We help contractors:
Find affordable, customized insurance packages
Navigate coverage options with expert guidance
Stay compliant with local and state regulations
Protect their business from unexpected risks
Conclusion
Starting an appliance repair business is a smart move—but protecting it with the right insurance is essential. From liability to equipment coverage, having a tailored policy ensures you’re prepared for unexpected risks. Wexford Insurance is here to help you build a secure foundation for long-term success.
