{"id":563,"date":"2024-11-17T09:30:46","date_gmt":"2024-11-17T15:30:46","guid":{"rendered":"http:\/\/dorsal-redesign.one.zysites.com\/?p=563"},"modified":"2025-02-21T09:02:58","modified_gmt":"2025-02-21T15:02:58","slug":"appliance-repair-services-insurance-in-florida","status":"publish","type":"post","link":"https:\/\/www.dorsalinsurance.com\/es\/blog\/appliance-repair-services-insurance-in-florida\/","title":{"rendered":"Appliance Repair Services Insurance In Florida"},"content":{"rendered":"<p>You\u2019re the first person that folks call when their appliances start to go haywire \u2013 and you like it that way. Your business is a trusted name in your community; everyone knows that you have a way of turning malfunctioning fridges and ovens into beautiful works of (functional!) art.<\/p>\n<h3 id=\"policiesavailableforappliancerepairbusinessinsurance\" class=\"wp-block-heading\">Policies Available for Appliance Repair Business Insurance:<\/h3>\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">General liability insurance<\/li>\n<\/ul>\n<h3 id=\"benefits\" class=\"wp-block-heading\">Benefits:<\/h3>\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">It can protect your business from certain claims.<\/li>\n<li class=\"wp-block-list-item\">Proof of insurance can help customers feel good about your work.<\/li>\n<li class=\"wp-block-list-item\">It may be legally required where you\u2019re located.<br \/>\n<h2 id=\"whattypeofinsurancedoineedformyappliancerepairbusiness\" class=\"wp-block-heading\">What Type of Insurance Do I Need for My Appliance Repair Business?<\/h2>\n<p class=\"wp-block-paragraph\">As an appliance installation and repair specialist, it\u2019s likely that you\u2019re exposed to a lot of risk when working on customer projects. After all, not every fix works \u2013 and if your work accidentally causes more damage to a customer\u2019s home, you\u2019ll want insurance coverage to help cover the financial costs to repair that damage.<\/p>\n<p class=\"wp-block-paragraph\">So what types of insurance policies should appliance repair business owners look into? Take a look at our recommendations:<\/p>\n<h3 id=\"generalliabilityinsurance\" class=\"wp-block-heading\">General Liability Insurance<\/h3>\n<p class=\"wp-block-paragraph\">General liability insurance\u00a0\u2014 also known as commercial general liability (CGL) insurance \u2014 can cover the costs associated with third-party property damage and injuries that may have happened while you were working on a customer\u2019s project. It can also cover you in case a customer or vendor hurts themselves while visiting you at your office, and decides to sue you for their medical expenses.<\/p>\n<p class=\"wp-block-paragraph\">For example, if you accidentally damaged a customer\u2019s kitchen counters while repairing their fridge, your general liability insurance may cover the costs of fixing those counters, plus any legal fees if the customer decides to sue you (up to your policy limit).<\/p>\n<p class=\"wp-block-paragraph\">As an appliance repair and installation expert, it\u2019s safe to say you\u2019re spending most of your time on customer sites. That\u2019s why it\u2019s a good idea to carry general liability insurance, as it can provide you with crucial protection.<\/p>\n<p class=\"wp-block-paragraph\">Let\u2019s take a look at another example. Say an employee repaired a customer\u2019s dishwasher in their kitchen. But not a day goes by before the dishwasher breaks again, causing a bunch of water to leak out and damage the surrounding kitchen cabinets and floor. Your client is livid and demands you pay to fix the damage.<\/p>\n<p class=\"wp-block-paragraph\">In this example, your CGL policy would cover some of the costs of fixing that damaged kitchen and dishwasher.<\/p>\n<p class=\"wp-block-paragraph\">General liability insurance usually covers:<\/p>\n<ul class=\"is-style-pros wp-block-list\">\n<li class=\"wp-block-list-item\">Bodily injury<\/li>\n<li class=\"wp-block-list-item\">Third-party property damage<\/li>\n<li class=\"wp-block-list-item\">Personal and advertising injury<\/li>\n<li class=\"wp-block-list-item\">Medical expenses<\/li>\n<li class=\"wp-block-list-item\">And more<\/li>\n<\/ul>\n<p class=\"wp-block-paragraph\">General liability insurance usually does not cover:<\/p>\n<ul class=\"is-style-cons wp-block-list\">\n<li class=\"wp-block-list-item\">Damage to your property<\/li>\n<li class=\"wp-block-list-item\">Professional services<\/li>\n<li class=\"wp-block-list-item\">Workers compensation or injury to your employees<\/li>\n<li class=\"wp-block-list-item\">And more<br \/>\n<h2 id=\"whyshouldigetinsuranceformyappliancerepairbusiness\" class=\"wp-block-heading\">Why Should I Get Insurance for My Appliance Repair Business?<\/h2>\n<p class=\"wp-block-paragraph\">Let\u2019s face it: You worked hard to get your appliance repair and installation business up and running. From getting your first customers to hiring your team, you\u2019ve poured your sweat into making sure your business sticks around for the long haul.<\/p>\n<p class=\"wp-block-paragraph\">That\u2019s exactly why you should get appliance repair business insurance \u2013 because without it, your business could fall victim to a claim that could be financially catastrophic to your business.<\/p>\n<p class=\"wp-block-paragraph\">While we don\u2019t want to be alarmist, it is important for small business owners to know that accidents, incidents, and lawsuits are a surprisingly common part of the entrepreneurial experience. For example, did you know that within the next 10 years,\u00a040%\u00a0of small business owners are likely to experience a property or general liability claim?<\/p>\n<p class=\"wp-block-paragraph\">Or that the\u00a0most common claims\u00a0against small business owners \u2013 like appliance repair specialists! \u2013 happen to be among the most expensive? Take a look:<\/p>\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">Customer Slip and Fall \u2013 $20,000<\/li>\n<li class=\"wp-block-list-item\">Customer Injury and Damage \u2013 $30,000<\/li>\n<li class=\"wp-block-list-item\">Reputational Harm \u2013 $50,000<\/li>\n<\/ul>\n<p class=\"wp-block-paragraph\">Those are just average claims \u2013 meaning that it could be a lot more expensive, depending on the amount of damage being claimed by a customer.<\/p>\n<p class=\"wp-block-paragraph\">Let\u2019s shift gears and take a look at another reason why you should consider insurance for your appliance repair business: it could be required to get licensed.<\/p>\n<p class=\"wp-block-paragraph\">Most states consider appliance repair and installation specialists to be contractors, meaning you may be required to get a contractor\u2019s license to do work at a customer\u2019s property. Of these states, many require both proof of general liability insurance and workers compensation insurance (if you have employees).<\/p>\n<p class=\"wp-block-paragraph\">Whether you look at it from a financial standpoint or from a licensing standpoint, getting appliance repair business insurance makes a lot of sense. Plus, having insurance may even make customers feel more confident about working with you, since they know they may be covered if you damage anything.<\/p>\n<p>Call Dorsal Insurance today for a quote at 786.601.2485<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019re the first person that folks call when their appliances start to go haywire \u2013 and you like it that [&hellip;]<\/p>\n","protected":false},"author":244,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Florida Appliance Repair Business Insurance: Benefits & Policies","_seopress_titles_desc":"Protect your appliance repair business with General Liability Insurance in Florida. Get coverage for property damage and injuries while working on customer projects.","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-563","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.dorsalinsurance.com\/es\/wp-json\/wp\/v2\/posts\/563","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dorsalinsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dorsalinsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dorsalinsurance.com\/es\/wp-json\/wp\/v2\/users\/244"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dorsalinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=563"}],"version-history":[{"count":0,"href":"https:\/\/www.dorsalinsurance.com\/es\/wp-json\/wp\/v2\/posts\/563\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.dorsalinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=563"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dorsalinsurance.com\/es\/wp-json\/wp\/v2\/categories?post=563"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dorsalinsurance.com\/es\/wp-json\/wp\/v2\/tags?post=563"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}