Appliance Repair Business Insurance

Better Coverage for Your Appliance Repair & Installation Business

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Appliance Repair Business Insurance That’s Made Just for You

You’re the first person that folks call when their appliances start to go haywire - and you like it that way. Your business is a trusted name in your community; everyone knows that you have a way of turning malfunctioning fridges and stovetops into beautiful works of (functional!) art.

While you’re out there protecting your customers’ appliances, why not let us help protect your business with customized insurance?

At Simply Business, we can help you find and buy appliance repair business insurance that’s just right for your needs. Whether you want to buy a quote online or chat with one of our insurance agents over the phone, we’ve made it easier for you to get covered.

What Insurance Do Appliance Repair Businesses Need?

Appliance repair businesses spend a lot of time on customer properties, so they’re exposed to risk for property damage and accidents. For example, if a customer decided to sue you because you accidentally damaged their $10,000 oven while installing it, you’d have to pay for a lawyer and damages out-of-pocket if you didn’t have insurance coverage.

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General Liability Insurance for Appliance Repair Businesses

General liability insurance — also known as commercial general liability (CGL) insurance — can cover the costs associated with third-party accidents and property damage that may have happened while you were working. For example, if you accidentally damaged a customer’s kitchen counters while repairing their fridge, your general liability insurance may cover the costs of fixing those counters.

As an appliance repair expert, it’s safe to say you’re spending most of your time on customer sites. That’s why we recommend carrying general liability insurance, as it can provide you with crucial protection.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your property
  • Professional services
  • Workers compensation or injury to your employees
  • And more

Learn more about General Liability Insurance.

Professional Liability Insurance for Appliance Repair Businesses

Professional liability insurance provides coverage in the event a customer accuses your appliance repair business of negligence. If your customer decides to sue your business for mistakes related to your appliance repair services, your professional liability insurance policy may cover damages and legal costs.

Depending on the services you provide, you may find that you don’t need a professional liability policy on top of your general liability coverage. If you’re not sure what you need, don’t worry: Our licensed insurance agents can help you determine which exact policies you need based on the precise services you provide.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

Learn more about Professional Liability Insurance.

Workers Compensation Insurance for Appliance Repair Businesses

Do you have full-time or part-time employees? Do you tend to rely on subcontractors when you need extra help?

If so, you may be legally required to take out a workers compensation insurance policy. If an employee gets sick or injured while working for you, this coverage can provide your appliance repair business with financial protection.

Most states require businesses to carry this coverage as soon as you hire your first employee, so if this applies to you, be sure to add it to your insurance coverage.

Workers compensation insurance usually covers:

  • Medical Payments
  • Lost Wages
  • Rehabilitation expenses
  • Death Benefits

Learn more about Workers Compensation Insurance.

How Much Does Appliance Repair Business Insurance Cost?

You can get a good idea for what you may pay for appliance repair business insurance based on:

  • The number of employees and subcontractors who work for you
  • Your business location
  • The type of appliances you work with
  • And more

Want to find out how much your appliance repair business insurance may cost?

Click here to answer a couple of questions so we can help you learn how much you can expect to pay for your appliance repair business insurance.