What is Appliance Installers’ General Liability?

Appliance installers rely on their general liability policy to safeguard their finances against common business claims. Appliance installation contractors’ liability insurance is the go-to coverage when something goes wrong on a job site or premises. With an appliance installation contractors’ general liability policy, they can have peace of mind knowing their business is protected.

Why do I need it?

Business Protection – The primary purpose of appliance installers’ business liability insurance is to defend company owners against lawsuits that arise from the following:

• Business Liability
• Liability Assumed Under a Contract
• Products Liability
• Liability From Employees

Company Compliance – Before commencing operations, various state licensing boards and project owners require a valid insurance certificate.
Marketing Benefits – Providing evidence of appliance installers’ liability insurance assures potential clients that you are responsible for your work, giving your business an advantage in winning a bid.
Property Owners – Most commercial leasing companies require evidence of adequate appliance installation contractors’ business liability coverage to obtain a lease.

What does it Cover?

Appliance installation contractors’ general liability insurance covers legal expenses and damages up to the written limits if you are found liable for injury or property damage to a third party.

It shields businesses from unanticipated expenditures relating to such common claims:

Bodily Injury – Business claims that arise from injury to a third party.
Property Damage – Business claims that arise from property damage to a third party.
Products/Completed Operations – Business claims that arise from your products or completed operations away from your location.

Personal/Advertising Injury – Business claims that arise from infringing on a third-parties reputation or intellectual rights.
Medical Payments – Business claims that arise from injury to a third party (non-employee) due to an accident on your premises or your work.

What is a Certificate of Insurance?

A certificate of insurance (COI) verifies an appliance installer’s liability policy’s existence, coverage, and limits.

What is an Additional Insured?

The term “additional insured” (AI) pertains to an individual or entity other than the policyholder who receives coverage under an appliance installers’ liability insurance policy. It is a frequently requested endorsement for standard general liability policies for appliance installation contractors.

How much is it?

The rates for general liability insurance for appliance installers are determined based on several factors, such as the nature of the work done, previous claims history, location of operations, and previous or ongoing insurance coverage.

Our team of proficient professionals will scour through the quotes offered by the top wholesalers to find the most suitable coverage that aligns with your budget and specific business requirements.

What are my Payment Options?

Our programs offer a variety of payment options when purchasing your general liability insurance.

Full Payment Option – Pay the premium with one payment.
Direct Bill Option – Pay the monthly premium to the carrier directly.
Financing Option – Pay the monthly premium through a finance company.

Why choose Fairbanks Insurance Brokers?

We focus exclusively on the construction industry.

Our relationships with the nation’s top appliance installers’ insurance carriers have granted us unprecedented access to the most competitive markets, resulting in the lowest rates for residential or commercial risks.