Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Get instant online Quick Quote premium indication in about 3 minutes.
• Request phone call from experienced insurance agent to finalize your formal proposal.
• Accept proposal and your coverage confirmation may be emailed in minutes.

These appliance stores specialize in the sale of household appliances, including refrigerators, stoves, washers, dryers, room air conditioners, vacuum cleaners and televisions. They may also offer repair services for items they sell and for household appliances purchased elsewhere.

General Liability Insurance for Appliance Stores – Premises liability lawsuits could occur at appliance stores if customers sustain injuries on the business’ premises. Injuries could occur inside or outside the building. Appliance stores must have adequate walk space with floors that are in good repair and exit doors that are highly visible. Appliances should be easily accessible in order to avoid injuries to customers. Parking lots and sidewalks must be well lit and in good repair. Deliveries should be made through a rear entry to prevent customer contact and the related risk of collisions and falling cargo. If there is no rear entrance, care must be taken during the delivery process to safeguard the customers. Product liability is increased if the appliance store directly imports any products.

Workers’ Compensation Insurance for Appliance Stores – Employee injuries can occur in appliance stores due to lifting and falling. Proper training of lifting techniques and stock handling should be taught. Conveyance equipment, such as hand trucks and dollies, can assist in risk reduction if employees are trained in their proper usage. Storage areas at appliance stores should be neat with clean walking areas and easily accessible shelves.

Business Auto Insurance for Appliance Stores – Auto liability risks exist with pickup and delivery of appliances. Heavy city traffic conditions, youthful operators under age 25, and travel over unfamiliar roads can trigger increased business auto risk factors for appliance stores. Employee driving records should be checked regularly and company vehicles must be well maintained. Complete documentation of maintenance and repair should be kept on file.

Property Insurance for Appliance Stores – Appliances are subject to loss due to fire or theft. Fire is likely to result when using flammable materials during repairs in appliance stores. Lubricants, oils, degreasers and solvents must be well controlled and used with caution. Smoke and heat can damage any plastic parts of the appliances, resulting in a total loss. Small appliances should be properly secured because they are easy to steal. An electronic tagging system with door exit alarms can be a deterrent. If such as system is not practical or affordable, monitoring should be undertaken with the assistance of mirrors and closed circuit TVs.

Crime Insurance for Appliance Stores – Crime risks at appliance stores can be a result of burglary, shoplifting, or employee theft and dishonesty. Performing routine inventory counts, monitoring all monies in the cash registers and safes, along with regular bank drops will help minimize theft. Proper management will also help control employee dishonesty.