Appliance Store Insurance Coverage Checklist
The coverages an appliance store 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 retailers, including delivery, installation, haul-away, and service plans. Priorities reflect typical exposure for this class; confirm against the store's actual installation services.
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) | Covers showroom injuries and product claims, including appliances sold used or refurbished. | Core | |
| Products & Completed Operations (Installation) | Covers fires, gas leaks, water damage, and range tip-overs from installations — often discovered after the crew is gone. | Core | |
| Commercial Auto | Covers delivery trucks driving daily in residential neighborhoods. | Core | |
| Workers' Compensation | Delivery crews carry heavy appliances up stairs every day; back and shoulder injuries are common. | Core | |
| Commercial Property | Covers showrooms, warehouses, and high-value inventory. | Core | |
| Inland Marine / Transit | Covers appliances on trucks between the warehouse and customers' homes. | Prevalent | |
| Umbrella / Excess Liability | Extends limits above GL and auto; a gas explosion or child tip-over death is a severe claim. | Prevalent | |
| Contractual Liability for Service Plans | Needed if the store is the obligor on extended warranties — many states require it to be insured. | Prevalent | |
| Cyber / Privacy Liability | Covers customer financing applications and card data. | Prevalent | |
| Employment Practices Liability | Covers claims by sales, warehouse, and delivery staff. | Situational | |
| Pollution Liability | Needed if refrigerant recovery or disposal is handled in-house. | Situational |
The coverage gap most often missed
The gap that catches appliance stores most often is installation written on a retail-only policy. Once crews connect gas, water, and dryer vents, or install anti-tip brackets, the store has a contractor's completed-operations exposure — gas explosions, water damage, and range tip-overs that injure children. A Wisconsin suit over an uncapped gas line named the retailer as well as the delivery company and installer. Confirm the GL describes installation work and carries an adequate completed-operations limit, and that delivery contractors name the store as additional insured.
Send us the checklist and we'll review your appliance store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Appliance Store Insurance · Appliance Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an appliance store business need?
The core coverages for an appliance store business are Commercial General Liability (incl. Products), Products & Completed Operations (Installation), Commercial Auto, Workers' Compensation, Commercial Property. 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 store 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.