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These establishments are repair shops that specialize in fixing appliances. Workers repair items including large home appliances such as refrigerators, washers, dryers, and dishwashers and small home appliances such as microwaves and televisions.

General Liability Insurance for Appliance Repair Shops – The primary premises liability risks involve injury to third parties at appliance repair shops, especially if shops are not kept neat or do not allow adequate space for walking. The main operations liability risk is the potential damages that could occur at customers’ homes and workplaces during off-premise appliance repair jobs. For example, a repairman could start a fire while working on a damaged appliance in a customer’s home. Product liability lawsuits also may occur if appliances are not properly fixed or if faulty, used appliances are sold. A bad reputation for poor work in addition to extensive loss history will result in increased liability risks.

Workers’ Compensation Insurance for Appliance Repair Shops – The primary Workers’ Compensation risks are hernias and back injuries due to lifting and moving heavy appliances and electrical shocks and burns during repair work that involves soldering. Employees of appliance repair shops should be thoroughly trained how to safely repair and operate the appliances. The use of hand trucks may be necessary when moving and lifting heavy appliances.

Business Auto Liability Insurance for Appliance Repair Shops – The risk level of automobile accidents depends on the amount of business-related driving that takes place. The risk can be very high for appliance repair shops, if workers deliver appliances and/or fix appliances at the homes and workplaces of customers regularly. Appliances should be properly secured on delivery vehicles in order to prevent road hazards.

Property Insurance for Appliance Repair Shops – The property loss risk depends on the types of appliances being repaired. Fire is a concern for appliance repair shops, if employees are working with electrical wiring, flammables or combustibles, and the risk is elevated if flammable or combustible materials are not stored properly in fireproof containers. If valuable appliances are being repaired, theft by third parties is also a concern, especially if property security measures including locks and alarms are not in place. The risk of appliance theft is especially high when employees transport appliances to and from customers.

Crime Insurance for Appliance Repair Shops – Dishonest employees may steal valuables or money from appliance repair shops. The risk of third parties stealing money from appliance repair shops also exists. Cash, checks, and credit card receipts should be dropped into fire and theft resistive safes until such time as deposits can be made. Bank deposits should be made on at least a daily basis at unpredictable intervals to reduce the chances of courier robbery.