Repair Shop Business Insurance

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Why Repair Firms Need Business Insurance

Running a repair business can involve some unique risks. Whether you’re doing home repairs onsite or in your shop, your customers count on your business to handle their repair needs. However, working on broken and malfunctioning household systems and equipment, with power tools, hand tools, and more, has the potential to create unintended consequences. It’s up to you to manage the specialized risks of your repair business. On top of that, you must also prepare for the common risks most small business owners face, like property damage to your shop or loss of important business documents and records. Learn about the small business insurance repair businesses like yours typically need, and most often purchase, from The Hartford.

Business Owner’s Policy

Most repair businesses have a Business Owner’s Policy (BOP). Why? Because it protects a repair business in much the same way a homeowner’s insurance policy protects your home and personal possessions. 
By combining three basic insurance coverages that are important to virtually every small business, including home repair businesses, a Business Owner’s Policy can save your company money on insurance rates while protecting the small business you’ve worked so hard to build.
  1. General Liability – helps protect your home repair services business from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a customer is injured at your shop or an employee causes damage to a customer’s property while on a repair call. It even helps cover certain claims of slander and libel against your repair business. Business Liability insurance does not cover liabilities directly arising out of the professional home repair services you may provide.
  2. Commercial Property – helps protect the physical location of your repair shop and the equipment you use to conduct business, like the tools you use to make repairs, office furniture and equipment, or computers you use to create invoices – whether you own or lease them.
  3. Business Income – helps cover the loss of income when you can’t run your home repair services business because of covered property damage.
Learn more about our Business Owner’s Policy for your small repair shop business.
Easily Add Optional Insurance Coverages to a Business Owner’s Policy
Home repair businesses rely on utilities for the power and communication services they need to operate. Imagine the impact to your repair business if you had no access to electricity or water for an extended period. Business Income for Off-Premises Utility Services coverage (OPUS) covers the loss of income due to interruptions in utility services beyond your control, such as when a storm downs power lines, cutting off electrical service. Unlike most other insurance companies’ offerings, OPUS coverage from The Hartford starts as early as 12 hours from initial interruption of utility service. 
With OPUS, repair businesses can get insurance that provides power interruption protection and safeguards their income against outages of other utilities as well.
Repair businesses like yours often store personal information about your employees and customers. This data may include credit, debit and bank account numbers.
Data Breach Coverage helps pay the costs of notifying impacted individuals, managing public relations, good faith advertising, and more if personal information is lost or stolen from your home repair business.
Have you ever borrowed a vehicle to do repair work or make a delivery? Unlike most personal auto insurance policies, Hired & Non-Owned Auto coverage covers you when a borrowed vehicle, used for business purposes, is involved in an accident. 
For businesses without owned or long-term leased vehicles that would need to be covered on a Business Auto policy.
Between the tools and assets of your business, and the property your customers trust you with, employee theft could pose a significant risk to a home repair business. Employee Dishonesty Coverage helps compensate you for financial loss resulting from the dishonest acts of one or more of your employees.
You depend on your employees to complete repairs and keep your customers happy. The benefits you provide to them helps keep them motivated to do great work. However, errors in administering your employee benefits could be costly. 
Employee Benefits Liability Coverage helps protect your repair business if you’re sued for an error or omission in administering your employee benefits program, including your group health insurance. 
Bundle Insurance Coverage for Repair Businesses
It’s easy to increase Business Owner’s Policy protection for your repair business at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key coverages. For repair businesses like yours we offer:
  • Basic Stretch
  • Super Stretch
  • Super Stretch for Business Services
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right small business insurance coverage for your repair business.

Additional Solutions

If you have employees, use a car for work, or work from home, your repair business may also benefit from:
Other Important Insurance Options for Repair Businesses
Required by most states, workers’ compensation insurance provides benefits to the employees of your home or appliance repair business for work-related injuries or illnesses. These benefits include medical care, wages from lost work time, and more. 
And if the worker's family should decide to sue you, our Workers' Compensation coverage can help you with related legal fees. Repair businesses are among the many small businesses that have been turning to The Hartford for workers’ compensation insurance coverage for more than a century. 
Do you use your car to transport materials, pick up parts and supplies, make services calls, or more for your repair business? 
A Business Auto Policy provides coverage generally not included in a personal auto insurance policy. It can cover you or an employee when an owned vehicle, used for business purposes, is involved in an accident. 
If you run your repair business out of your home, you probably want a Business Owner’s Policy. A Business Owner’s Policy provides coverage not generally available with a homeowner’s policy.
Ask yourself, “Do I have customers come to my home, do I receive business mail or deliveries at my house, do I keep inventory or have employees in my home?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your repair business.

Learn More About Home-Based Business Insurance
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.