How much does appliance repair insurance cost in Rhode Island? (2026)

Recent rate-filing activity — 1 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.

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.

National context — Appliance Repair insurance overview

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.

Industry-typical market ranges (national)

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.

For Rhode Island-specific direction, see the filed-rate table above.

Get your actual Rhode Island quote in 5 minutes

The data above is regulator-filed direction. Your actual Rhode Island quote depends on class code, payroll, experience modifier, and the LCM each carrier files.

More Rhode Island rate-filing detail

• All Rhode Island commercial rate filings (every line, every recent filing) — the broader rate-data view for Rhode Island
• Rate filings by state — directory of all 47+ states with active filings
• National Rate Change Tracker — every filing across every state, sortable

Get a real Rhode Island quote for appliance repair

The data above shows the regulator-filed direction for Rhode Island. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.

Related guides

• General Liability glossary entry
• Class Code glossary entry
• Our sourcing methodology

Sources cited (national context above)

1. Commercial General Liability Insurance — Insurance Information Institute (III), 2024
2. Understanding Inland Marine Insurance — Insurance Information Institute (III), 2024
3. Commercial Auto Insurance — Insurance Information Institute (III), 2024
4. Workers Compensation Insurance — Insurance Information Institute (III), 2024