Appliance Repair Shop Business Insurance

As the owner of an appliance repair shop, you provide a valued service to your customers. They come to you for fixes for their washing machines, dryers, dishwashers, microwaves, refrigerators, and more. You probably send workers out to customer's homes as well as offering repairs in your store on smaller appliances. In either situation, accidents can happen, workers can make bad decisions or faulty repairs, and you can be liable as the owner of the business. With adequate small business insurance, however, you will be protected in these situations.

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General Liability

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Property Coverage


Workers Compensation

General Liability Insurance For Appliance Repair Shops

General liability is the most basic type of coverage in your commercial insurance policy. It protects you in the case that a person or property is damaged in your shop or in the home of a customer as a result of your employee. A repair shop can potentially contain several hazards. With equipment, parts, and appliances sitting in the shop, you need to be very careful to prevent accidents. But when they do occur, your general liability coverage will help you pay for the medical treatments or repairs needed. Under general liability, you will have the following coverages:

  • Premises Liability - With a store, your business premises are vulnerable to accidents and mishaps. In the case that a customer is injured, for example, by tripping over a tool or part on the floor, this part of your business insurance will protect you. It also covers costs of damage to personal property.
  • Products Liability - Your small business insurance also includes products liability coverage. If you sell a customer a part for an appliance and it is faulty or damaged or in some way causes harm to the customer, you will be protected from the resulting costs
  • Completed Operations - As a service provider, you have to be aware that customers may make complaints after a contract for service has been completed. In that case, the completed operations portion of your commercial insurance will have you covered.

Business Owners Insurance

A business owners policy, or BOP, is a package of insurance coverages that can be customized to match your business's exact needs. As the owner of an appliance repair shop, your commercial business insurance will need to include general liability, coverage for company vehicles, protection from litigation, employee dishonesty coverage, and possibly more. You can tailor your BOP to meet all of your needs.

Business Auto Insurance

For repairing large appliances, you most likely send employees out to customer homes. Even if they are driving their own vehicles, you can be liable for any accidents that occur during the course of a job. The auto portion of your small business insurance can cover such events as accidents, injuries, damage to property, theft, fires, and more.

Appliance Repair Shop Workers Comp Insurance

You are most likely required to have workers compensation as part of your business insurance policy. This covers costs associated with injuries or illnesses that your employees may receive while working for you. These may occur in the shop or out on jobs. Either way, you are liable for the costs, making this an important type of coverage.

Commercial Umbrella Insurance

Finally, you may want to consider adding commercial umbrella to your business insurance. This will help protect you in the case of expenses above and beyond your policy's limits. Commercial umbrella is a good add on to cover exorbitant costs incurred by catastrophic events, such as a fire that destroys your shop, its contents, and your vehicles.

Appliance Technician Business Insurance Cost

The cost of appliance technician insurance depends on several factors. When you apply for a quote, the insurance company will look at the risk your business faces, the number of employees you have, where your business is located, and your past insurance claims to determine your rate. The type of coverage you purchase, your coverage limits, and your deductibles will also impact your premium. For appliance installation businesses, the average cost of insurance starts at $39 per month.