Business Insurance for Appliance Repair Shops

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Save money by comparing appliance repair business insurance quotes

Tool theft, damage to a client’s floors, and lifting injuries are risks of the appliance repair trade. Shield your business against losses, lawsuits, and medical bills with affordable policies for appliance technicians.

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Multiple quotes with one application

Insureon helps appliance technicians compare insurance quotes from top U.S. carriers with one easy online application.

What types of insurance do appliance repair businesses need?

These policies provide coverage for common risks of appliance repair.

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General liability insurance

This policy covers common appliance repair risks, such as clients tripping over your equipment. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
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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
  • Missed wages
  • Employee injury lawsuits
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Commercial auto insurance

This policy covers third-party injuries and property damage caused by your appliance repair van or truck, as well as repairs to vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

A type of inland marine insurance, this policy helps pay for repair or replacement of an appliance technician’s multimeters, wrench sets, and other tools.

  • Equipment less than five years old
  • Mobile equipment, such as a dolly or ramp
  • Small tools like wrenches and screwdrivers
Looking for different coverage? See more policies.

Why do appliance repair shops need business insurance?

Owning an appliance repair or appliance installation business may not seem risky, but when confronted with tool theft, a back injury, or a customer lawsuit, the costs could be too much to handle. Appliance repair insurance can cover unexpected legal and medical expenses to help keep you in business.

How much does insurance cost for appliance repair professionals?

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Several factors will have an impact on insurance costs, including:

  • Appliance repair services offered, such as household or commercial
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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