Appliance Repair Shop Insurance
Appliance repair shop insurance can help protect appliance repair businesses, electrical repair shops, domestic appliance service centres, workshop-based repairers and retail repair premises with tools, equipment, stock, staff and customers.
If you would like help finding suitable appliance repair shop insurance, Quote Monkey can help route your enquiry for specialist review. Suitable enquiries may be passed to an independent specialist insurance broker who can review your requirements.
General Appliance Repair Shop Insurance Information
Appliance repair shops can face risks linked to repair work, customer appliances, electrical testing, workshop tools, replacement parts, premises, staff, customer visits, collections, deliveries and items left in your care.
Cover may help protect against financial losses linked to property damage, tools and equipment loss, theft, public liability claims, product liability claims, staff injuries, business interruption and other risks that can affect an appliance repair business.
Quote Monkey can pass suitable enquiries to an independent specialist broker who can review your requirements and advise whether they may be able to help.
What Can Appliance Repair Shop Insurance Cover?
Shop Buildings and Contents
Cover may help protect premises, fixtures, fittings, shelving, counters, workshop equipment, tools, stock, parts and other business contents against insured damage or loss.
Tools, Parts and Equipment
Cover may be available for tools, diagnostic equipment, repair equipment, spare parts, stock and other items used in the appliance repair business.
Public Liability
Public liability insurance may help if a customer, visitor or third party claims they were injured or their property was damaged because of your appliance repair shop business.
Products and Completed Work
Products liability or completed work cover may be relevant if repaired appliances, supplied parts or completed repair work lead to injury, loss or property damage.
Why Appliance Repair Shops May Need Cover
Appliance repair businesses may handle customer property, electrical appliances, spare parts, diagnostic equipment and workshop tools. This can create risks both at the premises and after repaired items are returned to customers.
Examples could include a customer tripping in the shop, a customer appliance being damaged while in your care, tools being stolen, a repair-related claim, or a fire forcing the business to close temporarily.
Workshop Premises, Tools and Customer Items
Appliance repair shop insurance may include cover for buildings, contents, fixtures, fittings, tools, diagnostic equipment, parts, customer appliances and business equipment.
A specialist broker may ask about the shop type, repair work carried out, electrical testing, tools, stock values, customer goods, security, claims history, turnover and whether work is carried out away from the premises.
Customers, Staff and Repair Liability
Appliance repair businesses may need public liability, employers' liability, products liability, cover for goods in care and business interruption cover depending on how the shop operates.
Broker and insurer acceptance can depend on the appliances repaired, qualifications, staff numbers, safety procedures, previous claims, customer property values and the level of cover requested.
Common Appliance Repair Shop Insurance Sections
Depending on your business, appliance repair shop insurance may include buildings insurance, contents insurance, tools cover, stock and parts cover, public liability, products liability, employers' liability and business interruption insurance.
The right combination of cover will depend on your premises, repair activities, customer goods, employees, tools, parts, trading style and business risks.
Business Interruption and Loss of Income
Business interruption insurance may help if your appliance repair shop cannot trade after an insured event such as fire, flood, storm damage or serious property damage.
This type of cover may help with lost income, fixed costs and additional expenses during the interruption period, subject to the policy wording and selected indemnity period.
Factors That Can Affect the Cost
The cost of appliance repair shop insurance can depend on the type of repair work, location, turnover, tool values, contents values, stock and parts values, customer goods values, security, claims history, number of employees and the level of cover required.
Providing accurate information can help the broker understand your shop and advise whether suitable cover may be available.
Policy Terms, Limits and Exclusions
Appliance repair shop insurance policies can vary. Before arranging cover, review the policy wording, sums insured, liability limits, excesses, exclusions, security conditions, customer goods conditions, product liability terms, completed work terms and business interruption terms.
Cover is subject to insurer acceptance, underwriting criteria, selected limits, disclosed activities, terms and conditions.
Request a Specialist Broker Referral
If you would like help finding appliance repair shop insurance, please complete the specialist referral enquiry form. Quote Monkey can pass suitable enquiries to an independent specialist broker who can review your requirements and advise whether they may be able to help.
Frequently Asked Questions – Appliance Repair Shop Insurance
Below are answers to common questions about appliance repair shop insurance and specialist broker referrals.
It is business insurance designed for appliance repair shops, electrical repair workshops and similar repair businesses. It can include cover for premises, contents, tools, stock, liability claims, staff, interruption to trading and other repair business risks.
Quote Monkey can pass suitable enquiries to an independent specialist insurance broker who can review your requirements and advise whether they may be able to help. Any cover will be subject to underwriting, insurer acceptance, terms and conditions.
Cover for customer appliances or goods in your care may be available, but it will depend on the insurer, policy wording, repair activities and the values involved.
Tools and equipment cover may be available for repair tools, diagnostic equipment and workshop equipment, subject to policy limits, security conditions and exclusions.
Public liability can often be included. It may help if a customer, visitor or third party claims they were injured or their property was damaged because of your appliance repair business.
If you employ staff, employers' liability insurance may be legally required in the UK. This can apply to full-time, part-time, temporary or casual workers depending on the arrangement.
A broker may ask about your repair activities, shop address, turnover, tool value, stock and parts value, customer goods value, staff numbers, qualifications, safety procedures, claims history and the level of cover required.
No. Cover is not guaranteed. Any quotation or offer of insurance will be subject to the specialist broker's and insurer's underwriting criteria, terms and conditions.
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