Appliance Repair Shop Insurance

We place shop-based and mobile appliance technicians, including small multi-tech operations that also sell a few units from the counter. If you are a retailer that happens to have a service bench, start on hardware or specialty retail and we will add the service exposure. If service is the business, you are here.

In-home work is a premises-you-do-not-control problem. GL has to contemplate damage to the customer’s dwelling and to the appliance itself — and those are not always the same grant. Care, custody, or control exclusions are why we schedule a bailee or property-of-others limit for units in the shop and in the van. We ask about gas appliances, sealed-system work, and whether you pull permits. Those facts change appetite; they are not a morality test.

The tools floater covers meters, vacuums, and the parts inventory that lives in bins. Commercial auto covers the marked vans; hired and non-owned covers a tech who takes a personal car to a overflow call. If you sell and install, products and completed-operations have to match the install, not just the bench. Washington techs stay with L&I; we place stop-gap and competitive-state WC. A one-person shop still needs the GL and the auto even when L&I is a “no employees” conversation.

Hardware stores, locksmiths, and auto repair are the related pages because that is the service-and-parts family. We do not write HVAC replacement as appliance repair — that is the HVAC contractor page. We do not write used-appliance dealers with a lot full of units as a repair shop. Describe the receipt split.

Completed-operations on a water line or a gas connection is the claim that shows up after you left. Additional-insured requests from property managers and home-warranty companies are a weekly certificate job. We match the certificate to the form.

Risks we actually schedule

• Water or fire damage in a customer’s kitchen after a service call.
• A unit in the shop or van that is damaged or stolen — bailee, not GL.
• Tools and parts stolen from a marked van.
• Completed-operations on a gas or water connection you installed.