Appliance Installation & Repair Insurance
Installing and repairing washers, dryers, ranges, and refrigerators puts you inside a customer's home with heavy units and water and gas lines — coverage is built around those everyday hazards.
What this coverage is intended to address
- ✓General liability that is intended to respond if a heavy unit slips during a carry-in and damages a customer's hardwood floor or cabinetry.
- ✓Third-party bodily injury protection intended to address a situation where a homeowner trips over a dolly or tool left on the job.
- ✓Completed-operations coverage generally intended to respond to property damage that surfaces after an install — such as a water-line connection that later leaks.
- ✓Tools and equipment (inland marine) intended to help replace dollies, hand trucks, and meters if they are stolen from your vehicle.
Coverage products commonly considered
Most appliance installation & repair operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Imagine a technician sets a new refrigerator down hard and cracks the kitchen tile; in the event of a covered claim, the general liability portion is intended to respond to the homeowner's property-damage demand.
- Suppose a dishwasher supply line you connected works loose weeks later and seeps under the flooring — completed-operations coverage may help respond to the resulting damage claim.
Frequently asked questions
Does this address damage to the appliance I'm installing?
General liability is intended to respond to third-party property damage, not to the product you were hired to install. The unit itself is generally treated separately from a covered liability claim.
Are my hand trucks and meters covered if stolen?
A tools and equipment (inland marine) option is intended to help respond if your gear is stolen or damaged, subject to the policy's limits and terms.
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