Appliance Repair Insurance Cost: Ranges + Calculator
An appliance repair tech's signature claim happens inside the customer's home: a scratched floor, damaged cabinet, or a water line nicked during an installation or repair. That third-party property damage is what general liability is for — the front-line coverage for a mobile trade working on other people's premises. Our own quote data shows these businesses most request commercial auto (the service trucks) alongside that general liability.
As an industry-typical estimate, an appliance-repair operation runs roughly $1,200–$5,000+/year across general liability, tools & equipment (inland marine), commercial auto, and payroll-rated workers' compensation — more with more trucks or techs. No insurance bureau publishes appliance-repair premiums, so every dollar here is an estimate; each coverage fact is sourced to a named authority (III). Use the calculator below, then get a real quote in 5 minutes.
| Business activity |
|---|
| Air-conditioner, window, repair and maintenance services |
| Appliance, household-type, repair and maintenance services without retailing new appliances |
| Clothes dryer, household-type, repair and maintenance services without retailing new clothes dryers |
| Dishwasher, household-type, repair and maintenance services without retailing new dishwashers |
| Microwave oven, household-type, repair and maintenance services, without retailing new microwave ovens |
| Oven, household-type, repair and maintenance services without retailing new ovens |
| Refrigerator, household-type, repair and maintenance services without retailing new refrigerators |
| Sewing machine, household-type, repair shops without retailing new sewing machines |
| Stove, household-type, repair and maintenance services without retailing new stoves |
| Washing machine, household-type, repair and maintenance services without retailing new washing machine |
| Water heater repair and maintenance services without retailing new water heaters |
What businesses actually request
Across 22 recent commercial-insurance quote requests on Get Business Coverage, here is how often each coverage line is requested — our own first-party demand data, not a rate quote.
| Coverage | Share of requests |
|---|---|
| Commercial Auto | 59.1% |
| General Liability | 31.8% |
Estimate your commercial insurance cost
Plug in a few business details and we'll show an industry-typical annual range for General Liability + Workers Compensation + Commercial Auto, with the source for every number. Real quotes vary by carrier, claims history, and underwriting — get an actual quote here.
Industry-typical market ranges
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines an appliance-repair business typically carries (industry-typical estimates):
- General liability: on-site property damage during installation or repair — a scratched floor, damaged cabinets, or a water line nicked in a customer's home. III commercial general liability.
- Tools & equipment (inland marine): the differentiating coverage — protects wrenches, meters, and gear if lost, stolen, or damaged in transit or on the job. III inland marine.
- Commercial auto: the service trucks driving to homes — the coverage our data shows these buyers request most. III commercial auto.
- Workers' compensation: required in most states once the business has employees. III workers comp.
Number of trucks, employee count, and residential vs. commercial mix are primary rating factors.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting appliance repair operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | NV | -32.8% voluntary loss cost decrease (legislatively-driven; SB 317) | Oct 1, 2026 | SERFF #NCCI-134895530 |
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | SERFF #NCCI-134743616 |
| WC | AR | Overall -9.8% voluntary loss cost; -9.8% assigned risk market | Jul 1, 2026 | SERFF #NCCI-134876672 |
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | SERFF #NCCI-134745334 |
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | — |
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | SERFF #NCCI-134702984 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Bureau-filed loss-cost activity by state — 45 states with filings
Each link below opens a appliance repair-specific page showing only that state's most-recent bureau-filed loss-cost filings (NCCI workers' comp and/or ISO commercial-lines), cited to the regulator or bureau filing each came from. Filed-rate data ≠ carrier final rates.
Get your actual quote in 5 minutes
Compare quotes from 10+ carriers. No SSN required.
Get My Quotes →Related guides
Sources cited
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- Understanding Inland Marine Insurance — Insurance Information Institute (III), 2024
- Commercial Auto Insurance — Insurance Information Institute (III), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024