An appliance store's inventory has a habit of staying in the customer's house long after the sale, and so does the liability that rides along with it. Appliance store insurance is built for that trade: products coverage for what leaves the floor, new, open box, or reconditioned, property protection for a showroom full of stainless steel, and the trucks and crews behind every delivery. Here is the appliance store business insurance program we place for independent dealers across the country.
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For showroom traffic, from browsers to loading dock pickups.
General liability insurance may cover customer injuries on the premises, such as a slip near the entrance or a cart being clipped at will call, as well as damage your operations cause to the leased space. Display floors add their own detail: freestanding ranges on the floor get the same anti-tip hardware the manual calls for, because children climb open oven doors in showrooms too.
General liability can help pay for:
For every unit that leaves the floor and keeps running in someone's home.
Products liability may respond when an appliance you sold is blamed for a fire, a flood, or an injury, and the used side of the trade raises the stakes: recondition a unit on your own bench and you may stand in the manufacturer's shoes for it. New units lean on the maker's coverage behind you. Rebuilt ones lean on yours.
Products liability can help pay for:
For the floor models out front and the boxed inventory in back.
Commercial property insurance may cover inventory, displays, racking, and buildout against fire, theft, and similar perils, with business income coverage for a covered shutdown. Value the stock at what it costs to replace, not what the invoices said last spring, and remember the causes of loss form decides which perils count before the limit ever matters.
Commercial property can help pay for:
For the box trucks running refrigerators to driveways all week.
Commercial auto insurance may cover accidents on delivery routes, and a dealer's schedule keeps the exposure steady: liftgate trucks, residential streets, and haul-away units riding back. The appliances themselves, whether on the truck or on the dolly, fall under the liability policy's care, custody, or control exclusion, which is what an inland marine cargo floater is designed to cover.
Commercial auto can help pay for:
For a payroll that splits between the showroom and the staircase.
Workers' compensation may cover medical bills and lost wages after employee injuries, and an appliance store's payroll runs two class codes at once: sales-floor rates in the showroom and delivery rates for the crews carrying six hundred pounds upstairs, where most retail injuries actually happen. Most states require coverage once you hire, with rules that vary by state, and an honest payroll split protects the rate.
Workers' compensation can help pay for:
For the package price, qualifying dealers usually earn.
A business owners policy can bundle liability, property, and business income for qualifying stores at a package rate, with the products program built around it. Larger inventories or multi location dealers move to package policies where limits stretch further.
A business owner's policy can help pay for:
Also worth pricing as the store grows: cyber liability for the POS and in-store financing applications; crime coverage for the counter and deposits; employment practices liability; and excess liability as landlord or builder contracts increase. Dealers running their own hookup crews should read our appliance installer insurance page, because in house installation changes the policy underneath the store.
If appliances cross your floor for pay, exposure exists, whether it's a single showroom or a chain.
Leases, floor plan agreements, and builder accounts keep asking for the same handful of items, and missing one can gut your coverage on the day it matters.
Single showroom or a chain running its own routes, the program starts the same way: your new and reconditioned split, what the trucks carry, and who does the hookups.
We build from there, the products program first, because in this trade the inventory keeps working in other people's homes. Floor plan audits and builder requests get matched line for line.
Quotes are free. Certificates go out the same day. Call 888-900-0205 to get started.
Numbers that prove it.
Independent. Licensed in all 50 states. Backed by partnerships with the carriers that matter to your business.
1,000+
Trades Insured
18+
Years In Business
240+
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