Appliance Delivery Service Insurance

BOP Coverage for Appliance Delivery Services

A Business Owners Policy (BOP) combines general liability with property coverage. This package is valuable for your appliance delivery company, because it helps protect all of the assets your company owns. Assets can be buildings, like the warehouse you store inventory in, or office and breakroom equipment. Having this shields your own business property from theft, fire, or storm damage in addition to making sure you're protected from customer claims.

Claim Example: What’s Covered?

• Theft of delivery trucks or tools from your storage lot.
• A fire damages your office and business records.
• A storm destroys stored appliances waiting for delivery.
• Computer system failure interrupts scheduling and operations.

What Else Do Appliance Delivery Services Need?

While general liability, BOP, and Workers' comp take care of the basics, there are several other types of coverage you'll want to consider as your company grows.

• Commercial Auto Insurance – Whether you use work vehicles or personal ones, you need a commercial car insurance policy to protect them. Because even when your drivers are not at fault, most regular car policies aren't able to cover the increased costs of your employees, tools, and inventory.
• Cargo Insurance – This is also critical coverage when you're carrying property you've sold. If something happens to it while being transported, this covers the costs.
• Commercial Property Insurance – As you grow and acquire business buildings, this becomes more important, because you'll need to protect storage facilities, offices, warehouses, and other business structures.
• Inland Marine Insurance – When your business assets, such as tools, dollies, and moving equipment, are in transit, they can be damaged or destroyed from accidents, storms, or theft.
• Professional Liability (E&O) – If clients claim that you or your employees made a mistake while delivering or installing appliances, they may sue you for financial losses they believe your mistakes caused.
• Umbrella Insurance – General liability usually provides a basic level of coverage. If something happens that causes you to max out that coverage, umbrella will cover the excess.
• Cyber Liability Insurance – If you take electronic payments or store customer data online, you risk having it stolen from hackers.
• Business Interruption Insurance – Helps replace lost income if your business shuts down temporarily.
  Crime Insurance – Protects against theft by employees or third parties.