What business insurance does an Arizona appliance repair company need?

Your appliance repair business keeps Arizona homes and businesses running smoothly. Whether you're fixing refrigerators or installing new dishwashers, your work comes with risks. That’s why having the right appliance repair insurance in Arizona matters. We believe in your business and want to protect it. Here’s a guide to the coverages most appliance repair people choose so you can stay focused on service, safety and success!

SHORT SUMMARY (because we know you have a lot going on!)

Appliance repair companies in Arizona face industry-specific risks that require customized insurance coverage.
A Business Owner’s Policy for appliance repair companies saves you money by bundling 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 for appliance repair companies covers damages to your office or warehouse from fire, theft and other surprise threats.
Workers’ compensation is mandatory for all appliance repair companies in Arizona if you have employees.
Inland Marine covers damages to your valuable tools and equipment where you're transporting them to a work site.
Commercial auto is required in Arizona to cover damages caused by the vehicles you use in your business.
Commercial umbrella insurance provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value!

FIVE BEST COVERAGES FOR ARIZONA APPLIANCE REPAIR COMPANIES:

Here are five 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.

2. Workers' compensation for appliance repair employees (required in Arizona)

Arizona requires 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

3. Commercial auto for appliance repair companies (required in Arizona)

If you use company-owned or personal vehicles to transport your tools and technicians, Arizona requires 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)

4. Inland Marine insurance for repair professionals

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.

5. Commercial umbrella insurance for appliance repair businesses

Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection when other key policies like your general liability reach their limits, which helps you protect your company's financial assets.

THE BEST INSURANCE FOR APPLIANCE REPAIR COMPANIES IN ARIZONA

Every business is unique. Whatever you repair, we’re fans of your company and here to help you protect it. Mylo has been innovating insurance for ten years. We know how to connect people and businesses to the coverage they need. Because we don’t sell our own insurance, we can give you an objective recommendation.

At no charge to you, we will:

Recommend the right coverage for your needs
Shop for you from leading top-rated insurance carriers
Find you the best combination of coverage and price
Keep you feeling confident about growing your business!

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The right coverage for you? Surprisingly simple.

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Protect what matters: your business

Why business insurance? That’s easy – it’s designed to keep you in business. When certain losses come along, you can dodge bankruptcy and stay on top of your game.

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When should I shop for a BOP?

Good news: if you’re a BOP holder, you always get the “special” top tier of business insurance. You’re platinum, baby! Learn more benefits & options.