How much does appliance repair insurance cost in South Dakota? (2026)
Appliance Repair insurance pricing in South Dakota is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in South Dakota. Below: the most-recent South Dakota filings affecting appliance repair operations, cited to the regulator or bureau filings they came from — primary-source, government-held pricing records. Read the full national context on the Appliance Repair cost guide.
Recent rate-filing activity — 2 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 | SD | LCM applied to NCCI loss cost — TIERED by underwriting category | Jul 1, 2025 | Filing #SD-DOI-TRAVELERS-CIA-LCM-2025 |
| WC | SD | LCM multiplier applied to NCCI advisory loss cost | Jul 1, 2022 | Filing #SD-DOI-HARTFORD-UND-LCM-2022 |
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 South Dakota-specific direction, see the filed-rate table above.
Get your actual South Dakota quote in 5 minutes
The data above is regulator-filed direction. Your actual South Dakota quote depends on class code, payroll, experience modifier, and the LCM each carrier files.
Get a free South Dakota quote → 📞 Call 1-833-505-2594More South Dakota rate-filing detail
- All South Dakota commercial rate filings (every line, every recent filing) — the broader rate-data view for South Dakota
- 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 South Dakota quote for appliance repair
The data above shows the regulator-filed direction for South Dakota. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
Get a free South Dakota quote →Related guides
Sources cited (national context above)
- 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