What business insurance does an appliance repair company need?
Protect your business and meet your legal requirements
Updated 8/7/26
Your appliance repair business keeps homes and businesses running smoothly. Unfortunately, one surprise expense (a flooded kitchen from a failed dishwasher repair or an employee who suffers an electric shock) can threaten your success. We believe in your business and want you to have affordable insurance that meets state requirements and protects your property, team and income. This guide breaks down:
- Coverages required in most states
- The most recommended protections
- Some typical costs of appliance repair company insurance
- How to save with fast quotes from top-rated insurance carriers
SHORT SUMMARY (because we know you're busy making installing and fixing!)
- Appliance repair companies face industry-specific risks that require customized insurance coverage.
- Most business owners start with a Business Owner's Policy (BOP), worker's compensation and commercial auto.
A Business Owner’s Policy bundles general liability, property insurance, and optional business interruption coverage.
General liability insurance covers injuries and damages caused by your business, as well as advertising-related claims.
- Property insurance helps replace or repair damaged office space, furnishings and equipment.
- Workers’ compensation is required in most states if you have employees and covers employee injuries and illnessses.
- Commercial umbrella insurance provides extra coverage when other policies reach their limits.
- Inland Marine insurance covers damages to your valuable tools and equipment where you're transporting them to a work site.
- Cyber insurance for real estate businesses covers data breaches, regulatory fines, and digital recovery costs.
- Working with Mylo can help you find the right coverage at the best value!
The 3 coverages most appliance repair businesses need
Here are three essential coverages every appliance repair professional should consider to stay protected and profitable:
1. Business Owner's Policy for appliance repair companies
A business owner’s policy (BOP) for appliance repair companies is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing repair businesses. Your BOP typically includes:
GENERAL LIABILITY FOR APPLIANCE REPAIR SERVICES Covers legal and medical costs if a client or other non-employee is injured or their property damaged by your business. It also protects you from advertising-related claims. Examples:
- A technician accidentally floods a customer’s kitchen during a dishwasher repair
- You damage a wall while installing a built-in microwave
- A competitor accuses you of copying their logo or slogan
PROPERTY INSURANCE FOR APPLIANCE REPAIR BUSINESSES Helps repair or replace your tools, diagnostic equipment, office space and inventory in case of fire, theft or vandalism. Examples:
- A fire damages your workshop and essential repair tools
- A break-in results in stolen parts and equipment
- A storm floods your storage area and ruins electrical components
BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your appliance repair business due to covered property damage.
Based on actual Mylo data, a Business Owner's Policy for appliance repair companies typically costs around $200 a month.
2. Workers' compensation for appliance repair employees (required in most states)
Most states require your repair company to carry worker's comp if you have employees. This coverage pays for medical care and lost wages if someone is injured on the job – and protects you from most employee lawsuits. Examples:
- A technician suffers an electric shock while repairing a range
- An employee has a back injury lifting a heavy appliance
- A staff member slips on a wet floor and fractures an ankle
Based on actual Mylo data, workers' comp for appliance repair companies typically costs around $205 a month.
3. Commercial auto for appliance repair companies (required in most states)
If you use company-owned or personal vehicles to transport your tools and technicians, most states require commercial auto insurance.
- Helps pay for damages or injuries your vehicles cause to others or their property
- Can also pay for physical damage to your vehicles (optional)
Based on actual Mylo data, commercial auto for appliance repair professionals typically costs around $180 a month.
Ready to get your free quote now and see how much you can save on these and other coverages you may need?
Depending on your business, you may also need:
1. Inland Marine for appliance repair businesses
If you frequently transport tools and equipment between job sites, inland marine insurance covers items in transit or temporarily stored off-site. Examples:
- Equipment hits the side of a swaying trailer and parts are broken
- Your power tools are stolen from a locked trailer at your client's home.
2. Commercial umbrella insurance for appliance repair businesses
Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection when your other key policies such as general liability reach their limits.
Based on actual Mylo data, a commercial umbrella policy for appliance repair companies typically costs around $95 a month.
These coverages are legally required in most states:
2. Workers' compensation for appliance repair employees (required in most states)
Most states require your repair company to carry worker's comp if you have employees. This coverage pays for medical care and lost wages if someone is injured on the job – and protects you from most employee lawsuits. Examples:
- A technician suffers an electric shock while repairing a range
- An employee injures their back lifting a heavy appliance
- A staff member slips on a wet floor and fractures their ankle
Based on actual Mylo data, workers' comp for appliance repair companies typically costs around $205 a month.
3. Commercial auto for appliance repair companies (required in most states)
If you use company-owned or personal vehicles to transport your tools and technicians, most states require commercial auto insurance.
- Helps pay for damages or injuries your vehicles cause to others or their property
- Can also pay for physical damage to your vehicles (optional)
Based on actual Mylo data, commercial auto for appliance repair professionals typically costs around $180 a month.
Mylo makes it easy to make a smart decision
Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and provided 100,000 policies to 75,000+ small business owners. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in your state – at no cost to you.
In minutes Mylo will:
- Recommend the right coverage for your appliance repair business
- Compare quotes from top-rated insurance carriers
- Find you the best combination of coverage and price in your state
- Keep you feeling confident about growing your business!
FAQs: Appliance repair business insurance
What appliance repair business insurance is required?
What are some typical costs of appliance repair business insurance?
Based on actual Mylo data, COMMERCIAL AUTO for appliance repair professionals typically costs around $180 a month. A BUSINESS OWNER'S POLICY for appliance repair companies typically costs around $200 a month. WORKERS' COMP for appliance repair company employees typically costs around $205 a month.
Mylo can give you an accurate estimate on these and other coverages you may need based for your specific business.