Household Repair Shop Insurance
Household repair shop insurance is designed for businesses that repair, service, restore or maintain household items, appliances, electrical goods, furniture, tools, equipment or domestic products.
Because repair shops may handle customer goods, tools, stock, premises, public visitors and product-related risks, a specialist broker may be able to help review suitable cover options.
Referral enquiries may be reviewed by a specialist insurance broker, subject to underwriting criteria, insurer acceptance, terms and conditions.
Specialist Referral Support for Household Repair Shops
Household repair shops can face risks linked to customer items, repair work, tools, testing, premises, stock, public access and goods supplied after repair.
Quote Monkey may be able to refer your enquiry to a specialist insurance broker who can review the type of repair work you carry out and discuss suitable cover options.
Common Insurance Sections for Household Repair Shops
Shop Buildings Insurance
Buildings insurance may help protect the repair shop premises, including walls, roof, floors, doors, windows, frontage, permanent fixtures, fittings and outbuildings, subject to the policy wording.
Contents, Tools and Equipment Insurance
Contents cover may help protect repair benches, tools, machinery, diagnostic equipment, computers, tills, shelving, display units, furniture and other business equipment used within the shop.
Stock and Customer Goods Insurance
Repair shops may hold replacement parts, accessories, stock and customer items awaiting repair or collection. These values should be declared clearly so a broker can review whether suitable cover is available.
Public Liability Insurance
Public liability may help protect against claims if a customer, visitor, supplier, contractor or member of the public is injured or their property is damaged in connection with the repair shop business.
Product Liability Insurance
Product liability may be relevant if you supply parts, accessories or repaired goods that later cause injury or property damage, subject to the policy terms and the nature of the repair work.
Who May Need Household Repair Shop Insurance?
Household repair shop insurance may be suitable for:
Domestic appliance repair shops
Electrical repair shops
Furniture repair businesses
Tool repair shops
Small equipment repair businesses
Vacuum cleaner repair shops
Sewing machine repair shops
Kitchen appliance repairers
Household goods repairers
Repair shops with customer drop-off counters
Businesses storing customer goods awaiting repair
Repairers selling parts or accessories
Shops with engineers visiting customer homes
Businesses with workshop areas and retail counters
Customer Goods, Repairs and Testing Risks
Household repair shops may take temporary responsibility for customer property. Items may be damaged, lost, stolen, incorrectly repaired or affected by fire, water damage or theft while in your custody.
Insurers may ask what types of goods are repaired, maximum values held, how customer items are stored, whether work is carried out on electrical goods, whether testing is performed and whether repairs are completed at the shop or at customer premises.
Business Interruption, Employers' Liability and Premises Risks
Business interruption insurance may help protect lost income and ongoing costs if the repair shop cannot trade following insured damage such as fire, flood, theft or storm damage.
If the business employs staff, employers' liability insurance is usually required by law. Premises risks such as slips, trips, stock storage, workshop tools, electrical testing and customer areas should also be considered.
Information a Specialist Broker May Ask For
To review a household repair shop insurance referral, a broker may ask for:
Business name and trading address
Type of repair work carried out
Whether work is done in-shop, off-site or both
Annual turnover
Number of employees
Maximum value of customer goods held
Average value of customer goods held
Tools, machinery and equipment values
Stock and parts values
Premises security, alarms and shutters
Whether electrical testing is carried out
Whether goods are collected or delivered
Whether business vehicles are used
Claims history
Whether buildings, contents, customer goods, liability, product liability or business interruption cover is required
What May Not Be Covered
Household repair shop insurance cover depends on the insurer, trade activities, repair types, customer goods values, security, policy wording, exclusions and conditions. Common restricted or excluded areas may include:
Undeclared repair activities
Customer goods above policy limits
Faulty workmanship unless specific cover applies
Damage caused by testing where not covered
Product liability claims outside the policy scope
Theft without forced or violent entry, depending on policy terms
Unattended goods in transit
Wear and tear or gradual deterioration
Existing damage to customer goods
Claims outside declared business activities
Failure to comply with security, alarm or storage conditions
Always check the full policy wording, schedule, exclusions and conditions before relying on cover.
Request a Specialist Broker Referral
If you need household repair shop insurance reviewed by a specialist broker, you can submit details of your shop, repair work, tools, customer goods, stock, security and required cover.
Referral enquiries may be reviewed by a specialist insurance broker, subject to underwriting criteria, insurer acceptance, terms and conditions.