Страхование владельцев бизнеса

General liability insurance for an appliance repair specialist is designed to protect the business from financial losses related to third-party claims of bodily injury, property damage, and personal/advertising injury. Here's a breakdown of what it covers and examples of claims that are typically covered or not covered:

Property Damage (to Others):

If you accidentally damage a customer's property while repairing an appliance.

Bodily Injury (to Others):

If someone is injured due to your work (e.g., a customer trips over your tools).

Legal Defense Costs:

Even if you're not at fault, the insurance can cover legal defense and settlements.

Personal and Advertising Injury:

Protection from claims like slander, libel, or copyright infringement in marketing materials.

Examples of Covered Claims

You accidentally cause water damage:
While repairing a dishwasher, a loose connection leads to flooding in the customer’s kitchen. The policy covers the repair cost to the property.

Customer trips over your toolbox:
While you’re working, a client trips over your tools and breaks an arm. Your policy covers medical bills and legal costs if they sue.

Burned counter from hot tools:
A hot tool you left on the counter scorches it. The cost of replacing or repairing the countertop is covered.

You’re sued for using a competitor’s slogan in advertising:
If a competitor claims you copied their ad or marketing language, your policy may help cover legal expenses.

Damage to Your Own Tools or Equipment:

You’ll need equipment insurance or a property policy for that.

Faulty Workmanship (Professional Errors):

If your repair is done incorrectly and the appliance fails later, that’s usually not covered unless you have errors & omissions (E&O) insurance.

Injuries to Your Employees:

Covered under workers’ compensation, not general liability.

Vehicle Accidents:

Covered under commercial auto insurance, not general liability.

Example Claims Not Covered

You fix a refrigerator poorly, and it breaks again.
The customer demands a refund or repair. This is likely excluded unless you have an E&O policy.

Your van hits a customer's car.
This incident would fall under commercial auto, not general liability.

An employee cuts themselves on the job.
General liability won’t help—this would need a workers’ comp policy.

General Liability Insurance
(Core Coverage)

For a small appliance repair business, general liability insurance is essential, but it's not enough on its own. Here are additional types of insurance that are commonly recommended to properly protect your business, tools, employees, and income:

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Recommended Insurance Checklist

General Liability

Third-party injury/property claims

Commercial Auto

Vehicles used for business

Tools & Equipment

Coverage for your gear/tools

Workers’ Compensation

Required if you have employees

Business Owner's Policy (BOP)

Bundled savings for liability + property

E&O / Professional Liability

Coverage for faulty work or mistakes

Cyber Insurance

If you store customer data or take payments online

Surety Bond

Required in some jurisdictions or by clients

Страхование владельцев бизнеса

General Liability Insurance
(Core Coverage)

General Liability Insurance (Core Coverage)

Commercial Auto Insurance

Tools & Equipment Insurance

Business Owner’s Policy (BOP)

Workers’ Compensation Insurance

Professional Liability / Errors & Omissions Insurance (E&O)

Cyber Liability Insurance

Bonding (License & Permit Bonds or Surety Bonds)

Recommended Insurance Checklist