Appliance Repair Insurance Coverage Checklist
The coverages an appliance repair business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for appliance repair companies. Priorities reflect typical exposure; confirm against gas work and used-appliance sales.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability (incl. Products-Completed Operations) | Covers injuries and damage during work and after it's finished. | Core | |
| Crime / Employee Dishonesty | Covers theft by technicians in customers' homes. | Prevalent | |
| Workers' Compensation | Required in most states. | Core | |
| Commercial Auto | Covers service vans and trucks. | Core | |
| Tools, Equipment & Stock / Inland Marine | Covers tools, parts, and materials on the truck and at job sites. | Prevalent |
The coverage gap most often missed
The most commonly missed exposure for this class is fire or gas after the repair. A gas connection or dryer vent that fails after the technician leaves can burn a home, and some policies limit coverage for work on gas appliances. Repair companies should leak-test every gas connection, warn customers in writing about unsafe vents, and screen technicians who work in customers' homes.
Send us the checklist and we'll review your appliance repair coverage line by line, then market it across multiple carriers that compete for your account.
Related: Appliance Repair Insurance · Appliance Repair Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an appliance repair business need?
The core coverages for an appliance repair business are Commercial General Liability (incl. Products-Completed Operations), Workers' Compensation, Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my appliance repair coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.