Appliance Repair Business Insurance

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Why do appliance repair businesses need insurance?

Your appliance repair service comes with significant risk. An employee could injure their back lifting a heavy appliance, or accidentally damage a customer's home. Appliance repair insurance can cover unexpected legal fees, repair costs, and medical bills to help keep you in business.

Contractor repairing a client appliance.
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Find the right coverage

Insureon helps home and commercial appliance repair shops and technicians find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right liability and property coverage for your small business.

What types of insurance do appliance repair businesses need?

These insurance policies cover the most common risks of appliance repair.

General liability insurance icon

General liability insurance

A commercial general liability policy covers basic third-party risks, such as water damage from a faulty refrigerator. Bundle it with commercial property insurance for savings in a business owner’s policy (BOP).

  • Customer bodily injuries
  • Customer property damage
  • Product liability insurance
Business owner’s policy icon

Business owner's policy

A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for appliance repair companies.

  • Accidents that injure clients
  • Client property damage
  • Stolen or damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers’ comp for appliance businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Legal defense costs
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Commercial auto insurance

This type of coverage can pay for third-party property damage and injuries in an accident involving your appliance repair van or truck. State laws require auto liability coverage for business and personal vehicles.

  • Property damage from business auto accidents
  • Medical payments from an accident
  • Vehicle vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This business insurance policy helps pay for repair or replacement of an appliance technician’s multimeters, wrench sets, and other tools. It's a type of inland marine insurance.

  • Equipment less than five years old
  • Mobile equipment, such as a dolly or ramp
  • Small tools like wrenches and screwdrivers
Professional liability insurance icon

Professional liability insurance

Professional liability insurance covers legal costs when an appliance repair company is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).

  • Accusations of negligence
  • Undelivered services
  • Water damage from a faulty repair
Looking for different coverage? See more policies.

How much does appliance repair business insurance cost?

Construction contractor calculating insurance costs.

An appliance repair shop with only a few workers will pay less for insurance than a larger company.

Factors that affect premiums include:

  • Repair or contracting services offered
  • Business property and equipment
  • Business income
  • Types of business insurance coverage
  • Policy limits and deductibles
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How do I get appliance repair business insurance?

It's easy to get business insurance and surety bonds for appliance repair or appliance installation if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. carriers to find the most affordable coverage that matches the risks of repairing dryers, washing machines, and other appliances, whether you work independently or hire employees.

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