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Illustrated street with a porch house, a tall tree and a white service van, back doors open on shelves of parts and a purple hand truck on its roof rack, on one side, and a brick apartment building with a laundry room and a boxed refrigerator by the door on the other

Appliance repair insurance

more kitchens.
more laundromats.
more routes.

Liability, comp, vans and tools for appliance pros growing from home calls into restaurants, laundromats and warranty work.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A leak, a strained back, a fender bender. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house with a pulled-out dishwasher spraying water across the kitchen floor beside a purple tool bag, a range tipped over at the foot of the stairs next to an appliance dolly, and a work van with a smashed side window beside a broken picket fence

general liability

A supply line leaks after the repair

Water damage to the customer’s kitchen.

workers’ comp

A tech gets hurt moving a range

Medical bills and lost wages.

commercial auto

The van clips the fence

Damage you cause on the road.

tools and equipment

The meters get stolen from the van

Tools and gear, on the job or on the road.

general liability

A supply line leaks after the repair

Water damage to the customer’s kitchen.

Examples. Your policy sets the details.

the work changes
what we check.

Home repairs, commercial equipment and installs carry different risks. Pick yours.

Home repairs

Most calls, most kitchens.

We check how the policy treats damage from a finished repair, and describe the water, gas and refrigeration work you take on.

we check first: Water and gas work. Illustrated kitchen cabinet with a dishwasher door open and the water supply line and shutoff valves exposed beside it, an open toolbox, a folded towel and a purple tool bag on the floor

appliance repair businesses
usually carry.

Put them on one program and we shop them together at every renewal.

a leak after the repair?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Kitchen Call Appliance

your options

$8,400a year, 4 policies

3 options, same coverage

Option A$8,400

Option B$9,300

Option C$10,500

5 techs4 vansColumbus, OHClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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guides
appliance techs ask for.

The coverage behind a service call.

growing by
acquisition?

Buying another appliance repair shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about appliance repair insurance.

What insurance does an appliance repair business need?
Most appliance repair companies carry general liability, workers’ comp, commercial auto and tools coverage. Homeowners and property managers ask for proof of liability, and workers’ comp follows state rules once you have employees. Property, umbrella, products and installation coverage can come up as the route grows or a service contract asks for more.
What affects the price of appliance repair insurance?
Mainly your residential and commercial mix, gas, water and electrical connections, refrigeration, delivery and installation, plus revenue, payroll, vehicles, parts and claims history. Limits and deductibles move it too. We read the exclusions alongside the premium, so you compare what the price actually buys, not only the payment.
Do gas, refrigeration and installation work change appliance repair insurance?
They can. Diagnostic repair is a different risk from gas connections, sealed system refrigeration, water line work, electrical installation, delivery or built in appliance installs. Carriers want the technicians’ qualifications and the exact work mix described accurately, so tell your broker about the occasional jobs too, not just the everyday calls.
Does general liability cover a leak after I leave?
It can cover damage to someone else’s property caused by your finished work, under the completed operations part of the policy. Replacing the faulty part itself is a separate question from repairing the floors and cabinets it damaged. Exclusions and policy dates matter, so the wording is worth reading closely.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA