Why do I need an Appliance Installation Insurance policy?

Appliance installers are the hidden players behind the scenes of all the beautiful stovetops, microwaves, and refrigerators that we admire alongside the neighbor’s new granite countertops and industrial-grade kitchen sink.

As the frontrunner of an appliance installation company or as an individual contractor, you know that despite your work in bringing to life dream homes, your profession comes with many inherent risks. It’s this duality that inspired us to create a flexible Appliance Installation Insurance policy. We believe you should be able to perform your best service without having to worry about every worst-case scenario, becoming a reality.

For example, maybe you had a bad day, and a washing machine installation didn’t go as perfectly as it usually does—adding more than a few spots and scrapes to their newly installed hardwood floor. Having general liability insurance would cover you in the case of third-party property damage.

Or, if you’ve accidentally misplaced your tools, only to discover their whereabouts when the maid trips over them and sprains her wrist, leaving you on the hook for bodily injury. Despite the innocent mistake, they might still claim that it’s your fault and expect you to pay for the medical bills and physical therapy.

In reality: every appliance installer should have a general liability insurance policy in place, even if the company they own has business insurance.

Get some peace of mind and check out your options for General Liability Insurance with Thimble! Leave the risk to us and worry about doing what you do best.

How much does Appliance Installation Insurance cost?

The price of a general liability insurance policy for appliance installation is based on the risk associated with your business, your crew size, location, and desired coverage limit. With Thimble, you never have to pay for insurance you don’t need. Choose between hourly, daily, or monthly coverage periods and add as many Additional Insureds as you want for free.

Get a Quote

Protect your business with Thimble’s flexible insurance policy for appliance installers. Get your free Appliance Installation Insurance quote now.

What is covered under the Appliance Installation Liability Insurance policy?

The General Liability Insurance crafted by Thimble is made to protect appliance installers from liability in instances like the following:

Bodily Injury

During the installation of a dishwasher, something gets dislodged, and all the plates, cups fall and break inside the machine. The client reached in to grab a clean soup bowl and didn’t realize the damage until they had cut themselves. They might file a claim against you for bodily injury.

3rd Party Property Damage

You’re installing a stovetop in your client’s kitchen. On your way back from a bathroom break, you trip over a dog toy and fall into their glass coffee table. You are fine, but their favorite receptacle for giant books they never read is kaput. Your client is now suing you for property damage.

Defense Costs

When resetting the heat after a water heater installation, you accidentally set the water heater’s thermometer too high. That night, while doing the dishes, the client burns their hand. They sue you for bodily injury, and you’re forced to hire a lawyer.

Medical Coverage

You are installing a client’s sink when their teenage son decides to peek over your shoulder to observe your work. Not realizing he’s there, you stand up and knock him backward. Though it was a total accident, the son took a hard fall and had to get stitches on his arm. The client is expecting you to pay for the medical bill.

How quickly can I get a Certificate of Insurance?

Instantly. With Thimble, you can generate a free quote and receive your Certificate of Insurance (COI) in less than 60 seconds. All you need to enter is your ZIP code, the desired insurance liability coverage term, review your quote, purchase your policy, and you’re done.

Whether it’s a last minute job for the same day or a big project months out, you can get an insurance policy that works for your schedule. An instant COI can help you win more jobs being that you’re capable of showing proof of insurance on the spot.

We know insurance can be complicated—we want to make the process risk-free, hassle-free, and convenient.

That’s why, you can download your COI before the date your coverage begins. Schedule up to six months in advance and cancel risk-free an hour before it’s set to begin.

What are the Appliance Installation Insurance policy limits?

With Thimble’s Appliance Installation Insurance, you can choose either a policy limit of $1 million or $2 million. The decision you make is dependent on how much you want to be insured against, and with double the coverage at the $2 million limit, the price difference is negligible.

Are workplace injuries of my staff covered?

No. Any injuries sustained by your staff would only be protected if you had a workers’ compensation policy in place. If you have employees or hire subcontractors, you might want to consider seeking one out.

Does Thimble’s Appliance Installation Insurance cover damage to my equipment?

No. General liability insurance only covers damage that occurs to your client’s or a third party’s property. For your equipment and work-related vehicle, you should consider purchasing a commercial property or auto insurance policy.

How do I get Appliance Installation Insurance with Thimble?

Insuring your appliance installation business takes less than 60 seconds. Provide a few details about your services, give us your ZIP code, and choose your desired coverage length (hourly, daily, or monthly), and we’ll generate a quote instantly! From there, once you’ve read the outlined costs, click purchase, and we’ll send your Certificate of Insurance directly to your inbox.

Get your free Appliance Installation Insurance quote now.

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