Insurance for appliance repair companies.

General liability with completed operations for fires and leaks after the job, coverage for customer appliances in your shop, commercial auto, and workers’ comp.

What appliance repair companies usually carry

General liability, $1M / $2M
Commercial auto
Tools and parts
Bailee coverage for customer appliances
Workers’ comp
Umbrella

Watch for these in an appliance repair policy

Gas hookupsConnecting gas ranges and dryers is often rated apart from electric work. List it, or a leak or fire claim may be disputed.
Water linesA loose ice maker or dishwasher line can flood a kitchen days after you leave. Completed operations is what answers when the leak shows up later.
The appliance itselfDamage to the machine you are repairing is often excluded, since it is the property you are working on. The fire it spreads to the rest of the house is what general liability covers.
Units at your shopCustomer appliances left for repair are in your care, which general liability excludes. Bailee coverage pays if they are damaged or stolen at your shop.

What warranty companies and property managers ask appliance repair companies for

Additional insuredHome warranty companies and property managers ask to be named on general liability.
Auto liabilityService contracts often set a minimum for your vans, frequently $1M.
Workers’ compProof of coverage, or an exemption form where you work alone and the law allows it.
Waiver of subrogationOn general liability and workers’ comp, for contracted service calls.

Questions appliance repair companies ask

Straight answers.

The questions we hear most, answered plainly.

Am I covered if a dryer I fixed starts a fire later?

That is a completed operations claim under general liability. The policy in force when the fire happens is the one that answers, so keep coverage continuous.

Is the appliance I was repairing covered if it breaks?

Usually not. Most policies exclude damage to the part you were working on, and paying for your own faulty repair is left to you.

How is appliance repair insurance priced?

Usually on revenue or payroll, how much gas work you do, whether you install or only repair, and your claims.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Personal and pet services

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Funeral homes

General liability, $1M / $2M, Funeral director professional liability, Commercial auto, hearses and limousines

Hair salons

General liability, $1M / $2M, Professional liability, Property and salon equipment

Barbershops

General liability, $1M / $2M, Barber professional liability, Property and barber chairs

Nail salons

General liability, $1M / $2M, Professional liability, Property and pedicure chairs

Tattoo shops

General liability, $1M / $2M, Tattoo professional liability, Property and equipment

Day spas

General liability, $1M / $2M, Professional liability, Abuse and molestation

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