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Appliance Stores
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Appliance Store Insurance

All modern buildings use appliances of one type or another. Houses and apartments use refrigerators, stoves, washers and dryers, and air conditioners. Government buildings and churches use air conditioners and furnaces, while some even use kitchen appliances as well. Commercial buildings use many different appliances as well. Owning an appliance store can be a lucrative, long-term venture because there is such a high demand. Whether you cater to consumer appliance buyers or government and commercial entities, it’s imperative that you protect your store from financial hardships by making sure you carry the right types of business insurance.

General Liability

General liability insurance is business insurance that protects you from general risks and events. It is a broad level of coverage that grows with your appliance store as needed. It can protect you from everyday risks such as customer injuries, and unexpected litigation such as advertising mistakes.

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General Liability Insurance Includes:

Business Owners Policy

General liability is included in another type of insurance known as a business owners policy. A BOP provides you with extended coverage for your tangible and intangible business assets. It can be tailored to meet just the needs of your appliance store, and includes options such as the following:

Business Auto

Business auto insurance is very important coverage for an appliance store, especially when you provide appliance delivery services. This insurance pays for repairs to your company vehicles or the vehicles of another person when you or an employee is involved in an auto accident. It also pays for the medical bills and recovery expenses when people are injured, and provides a number of levels of additional coverage based on your business auto insurance needs.

Workers Comp

Workers comp insurance takes care of your employees if they ever get hurt while working. Whether from a work accident or job related illness, workers comp pays the employee’s medical bills, physical therapy and other rehabilitation expenses, and provides for disability when applicable.

Commercial Umbrella

Commercial umbrella coverage is designed to give you extra protection when your other business insurance policies have paid out their maximum limits on claims.

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Insurance Products

General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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