Appliance Installer Insurance

As an appliance installer, protecting your business with the right insurance coverage is essential. Appliance Installer Insurance is designed to cover various risks you might encounter on the job. A typical policy includes general liability insurance, which covers industry-standard limits of $1,000,000 per occurrence and $2,000,000 aggregate. This insurance can help protect you against claims for bodily injury or property damage that may occur while you're installing or servicing appliances in clients' homes or businesses.

General Liability

Workers Compensation

Tools

Bond

Key Coverages Explained

Premises Liability: Protects you if someone is injured at your workplace or on a job site where you're installing appliances.
Products Liability: Covers damages resulting from the appliances you’ve installed if they cause injury or property damage after installation.
Completed Operations: Provides coverage for claims arising from your work after the installation is completed.

Other Coverage

In addition to general liability, your Appliance Installer Insurance package might include other essential coverages:

Business Owners Policy (BOP): Combines general liability and property insurance, offering protection for your business assets and operations.
Business Auto Insurance: Covers vehicles you use for business, protecting against liability, property damage, and bodily injury claims arising from vehicle use.
Surety Bond: Guarantees the performance of your contractual obligations, ensuring that your clients are protected if you fail to complete a job.
Workers Compensation: Provides benefits to your employees if they are injured while working on the job, covering medical expenses and lost wages.
Excess Liability Insurance (Umbrella): Offers additional coverage beyond the limits of your standard policies, providing extra protection for significant claims.

Claim Examples

Bodily Injury: A client trips over your tools while you're installing an appliance and sustains an injury.
Property Damage: You accidentally damage a client's kitchen floor while moving a heavy appliance.
Business Interruption Loss: A fire damages your workshop, leading to a temporary halt in your operations.
Business Personal Property Loss: Theft of your tools and equipment from a job site.

How Much Is Appliance Installer Insurance

The cost of Appliance Installer Insurance varies based on several factors, including the size of your business, the number of employees, the value of the property being insured, and your claim history. We offer competitive rates tailored to your specific needs. Contact us to get a personalized quote.

Appliance Installer Insurance FAQ

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

How do I get a Certificate of Insurance?

Once you purchase an insurance policy with us, we will promptly email your Certificate of Insurance, ensuring you can show proof of coverage to your clients and contractors.

How soon can I get Appliance Installer Insurance?

The buying process can take less than 15 minutes. We strive to get you insured quickly so you can focus on your business.

What should I know before buying Appliance Installer Insurance?

Obtain all your insurance requirements from contractors, subcontractors, vendors, clients, or relevant government offices before purchasing. This ensures that all your coverage needs are met.

How is the price of Appliance Installer Insurance determined?

Insurance premiums are based on factors such as your location, business operations, number of employees, and claim history, among others.

How can I prevent job site accidents?

Ensure your work area is clean and organized, use proper lifting techniques, secure all tools and equipment, and follow safety protocols. Regularly inspect your tools and equipment for any issues that could lead to accidents.

Prevent Workplace Accidents