Appliance Technician Insurance

Appliance technician insurance designed to protect your business

Next Insurance is a one-stop shop to help you get the appliance repair insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Contractors’ E&O
Commercial auto
Workers’ compensation
Tools and equipment
Commercial property

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We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for appliance technicians and save up to 10% when you bundle.

General Liability

Bought by 95% of business owners like you

General liability insurance covers a wide range of appliance technician accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by project owners and individual clients. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.

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General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Contractors’ E&O

Bought by 80% of business owners like you

Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of creating a leak in a dishwasher hose, it could help cover related expenses to defend yourself or redo the job.

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Contractors’ E&O can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you skid on black ice in your work truck and knock the side mirror off a parked car.

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Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers’ Compensation

Coverage for workplace injuries

Workers’ compensation insurance can help you and your employees after a workplace accident. Most states require it as soon as you hire your first employee. It can help pay for medical bills and lost wages after an accident.

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Workers’ Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

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Tools & Equipment can help you pay for:

Equipment owned by you

Employee tools and clothing

Borrowed equipment

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

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Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

How much does appliance technician insurance cost?

Appliance installation and repair technician insurance costs vary based on the risks that your business faces, such as:

The types of projects you work on

Where your projects are located

Your payroll and the kinds of jobs your employees do

The number and types of vehicles you use at work

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Appliance technician policy requirements

Appliance technicians are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

Start work on a project. Clients and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

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Frequently asked questions about appliance technician insurance

Here are some of the most common questions we get about affordable appliance technician insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect appliance technicians?

Our appliance repair technician coverage packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

While installing a new refrigerator, you crack a few tiles on the client’s kitchen floor. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A client trips over your tool box and hurts their ankle. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A dryer vent is incorrectly attached after a repair, which causes moisture damage in a client’s home. E&O insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You injure your back while moving a heavy appliance and need time off to heal. Workers’ compensation insurance can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.

Injuries and damage involving your business vehicles

You leave a dent on a nearby vehicle when parking your work truck in a tight space. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

Your storage shed floods, damaging many of your tools. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs.

Damage to your own property

Thieves smash the front windows of your office and take some of your equipment. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is login to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.

Business insurance for appliance technicians has never been easier