What insurance does a appliance repair business need? (2026)
Most appliance repair operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for appliance repair operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.
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Insurance requirements for other industries
Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.
| 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 |