Appliance repair
Appliance repair insurance — GL for technicians.
General liability and tools/equipment coverage for appliance repair techs — property-damage protection in customers’ homes, with same-day COI for marketplaces and contracts.
Office hours Mon–Fri 9am–5pm PT (closed major holidays) — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up. Contact & office.
Availability, limits and terms are reviewed for your situation. A request does not bind insurance.
Let us shop it — or start your quote online right now
Let us shop it for you (usually worth the call)
Coterie is one of 40+ carriers we work with. When we run your business past several of them at once we can compare what each will actually offer — and that often turns up a better fit, especially if you’ve had a prior claim, run more than one location, or need endorsements specific to your trade. One call, no obligation, and we handle the certificates afterwards.
Or quote and buy online in minutes
Our partner Coterie writes general liability, professional liability and Business Owners Policies for most small business classes in all 50 states, on A-rated admitted paper. Answer a few questions, see a bindable price, and download your certificate yourself. Built for businesses under 50 employees and under $10M revenue at a single location — contractors up to 15 employees. Some classes and loss histories aren’t eligible.
Coterie is one of several carriers CoverToday works with, and we may earn a commission on policies placed through this link. Buying online means you skip our review — call us first if you want us to compare it against the other carriers we represent. Independent broker — coverage, eligibility, price and availability vary by carrier and policy and may not be available to everyone. (310) 299-5555 · covertoday.com/quote
Built for work inside customers’ homes
One leak, scorch, or floor scratch in a customer’s home can wipe out a month of jobs. We place general liability that covers property damage on the job, add tools and equipment coverage, and issue the same-day certificate that marketplaces (like Thumbtack or warranty networks) and property managers require.
What it covers
General liability
Property damage and injuries you cause at a customer’s location.
Tools & equipment
Inland-marine coverage for theft or damage to your gear.
Completed operations
Claims that surface after a repair is finished.
Additional insured & COIs
Same-day certificates for marketplaces, warranty networks and property managers.
How much it costs
General liability for a solo appliance-repair technician is typically one of the more affordable trade policies — often a few hundred dollars a year up to roughly $1,000+, depending on revenue and limits. Adding tools and equipment coverage is a modest extra. We compare carriers and right-size the limit to what your marketplaces and contracts require.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Who needs it
You need general liability if you work in customers’ homes or businesses, and most gig marketplaces (Thumbtack, warranty/home-service networks) and property managers require a certificate of insurance before they’ll send you jobs. Even as a 1099 contractor, you’re personally exposed to property-damage claims without it.
How it works
Tell us about your work
Appliances you service, revenue, and any marketplace requirement.
We shop GL carriers
We find the right limit and add tools/equipment coverage.
Get your COI same-day, where available
Additional insured added and certificate issued fast.
See how the pieces fit
Look at the job from arrival to completion
Three topics to review with your agent. These are comparison prompts, not a promise of coverage.
- 01
The repair
List appliance types, installation work and any plumbing or electrical tasks.
- 02
Tools and vehicles
Discuss tools in transit and vehicles used for service calls.
- 03
The customer contract
Bring property-manager, warranty-network or customer insurance requirements.
Before we talk
Make the first conversation useful.
You don’t need every detail ready. Start with what you know; an agent can help with the rest.
- What your business does and where it operates
- Employees and insurance requirements in contracts
- Existing coverage and your desired start date
Please keep Social Security numbers, financial details and documents out of the public request form. An agent can explain the appropriate way to provide them if needed.
Common questions
How much is appliance-repair insurance?
General liability for a solo tech is often a few hundred dollars a year up to ~$1,000+, depending on revenue and limits. Tools coverage is a modest add-on.
Does this cover damage I cause in a home?
Yes — general liability responds to property damage you cause while working at a customer’s location.
Can you cover my tools?
Yes — we add tools and equipment (inland marine) coverage so theft or damage doesn’t stop your work.
What COI do marketplaces like Thumbtack require?
Usually a $1M general liability certificate, sometimes naming the platform as additional insured. We issue it same-day.
Do I need it as a 1099 contractor?
Yes — as an independent you’re personally liable for property damage; GL protects you and unlocks marketplace work.
How fast can I get a certificate?
Same day once your policy is bound.
Do I need commercial auto for my service van?
Usually yes — personal auto policies typically exclude business use, so a claim during a work call can be denied. We quote commercial auto for your van alongside GL, often with a multi-policy discount.