Protect your repair business and meet Michigan's legal requirements

Whether you're fixing refrigerators or installing new dishwashers, your appliance repair business keeps Michigan homes and businesses running smoothly. Unfortunately, one surprise expense (like an injured employee or flooded client kitchen) can put your whole business at risk. We believe in your company and want you to have affordable insurance that meets state requirements and protects your vehicle, equipment, team and income. This guide breaks down:

Michigan's required coverages
The most recommended protections
How to save money on repair company insurance
How to compare fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you're busy fixing up!)

Appliance repair companies in Michigan 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 Michigan if you have three or more 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 Michigan 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 MICHIGAN 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.

Ready to get your free quote now to see what you can save on these and other coverages you may need? CLICK HERE

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

Michigan requires you to carry worker's comp if you have three or more employees (or employed one person for 35 hours or more per week for 13 weeks or longer in the past year). This important 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 Michigan)

If you use company-owned or personal vehicles to transport your tools and technicians, Michigan 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 MICHIGAN

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 Michigan – at no cost to you.

In minutes Mylo will: