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Why do appliance installers need business insurance?
Appliance installation contractors and businesses take on a fair measure of risk. Moving a washing machine or other heavy appliance could injure an employee's back, or cause damage to a client’s home. Business insurance can cover medical bills, legal fees, and repair costs. Some types of coverage, like workers' compensation insurance, may be required by law.
Find affordable coverage
Appliance installation and appliance repair businesses can save money by comparing quotes from top insurers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of insurance do appliance installation businesses need?
These insurance policies cover the common risks of appliance installation.
General liability insurance
Commercial general liability insurance covers basic third-party risks, such as floor damage from installing a refrigerator. It's often required for a commercial lease.
BEST FOR
- Customer property damage
- Customer bodily injuries
- Product liability insurance
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for appliance installers to buy general liability coverage and commercial property insurance together.
BEST FOR
- Accidental damage to customer property
- Customer injuries
- Business property damage
Workers’ compensation insurance
Most states require workers' comp for appliance installation businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Commercial auto insurance
This policy covers bodily injuries and property damage caused by company vehicles, such as damage to a client’s fence caused by your appliance service truck.
BEST FOR
- Property damage in an accident
- Medical payments in an accident
- Vehicle vandalism and theft
Contractor’s tools and equipment insurance
This policy helps pay for repair or replacement of an appliance contractor’s wrench sets, multimeters, and other tools if they are lost, stolen, or damaged.
BEST FOR
- Equipment less than five years old
- Mobile equipment
- Small tools
Cyber insurance
Cyber insurance helps cover the cost of a data breach or cyberattack at your appliance installation business. It's sometimes called cyber liability insurance or cybersecurity insurance.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Looking for different coverage? See more policies.
How much does insurance cost for installers?
A small appliance installation business will pay less for insurance than a larger company.
Factors that affect premiums include:
- Installation services offered
- Business property and equipment
- Business revenue
- Types of business insurance coverage purchased
- Policy limits and deductibles
How do I get appliance installation business insurance?
It's easy to get appliance installation insurance or appliance repair insurance if you have your company information on hand. Our application will ask for basic facts about your business, 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. providers to find the right property and liability coverage for your appliance business, whether you work independently or hire employees.
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