Fully Insured Appliance Repair — Your Property and Your Home Are Protected
Three active insurance policies covering property damage, technician injuries, and service vehicle incidents. If something goes wrong in your home — our insurance responds, not you.
01 — Our Coverage
Insurance isn't paperwork. It's what determines who pays when something goes wrong in your home.
Most homeowners never think about whether their appliance repair company is insured until something goes wrong. A water line reconnected slightly off-spec. A technician who slips on a wet floor. A service vehicle that rear-ends someone on the way to your house. In each case, the question is the same: whose insurance covers it?
We carry three active insurance policies. General liability covers damage to your property and injury to anyone in your home during our work. Workers compensation covers our technicians if they are injured on the job — including at your home. Commercial auto covers our service vehicles. All three are current. We can provide a Certificate of Insurance before you schedule if you want to verify.
You can request our COI by calling (323) 870-4790 — we'll send it the same day. No reputable appliance repair company should hesitate on this.
02 — Three Policies, Three Protections
Each policy covers a different category of risk. All three are active.
Covers damage to your property and injury to people in your home
This is the core coverage that protects you directly. If our technician damages your flooring, cabinetry, appliance, or any other property during a repair — general liability responds. If someone in your household is injured during our work — general liability covers medical costs.
- Property damage caused by our technicians
- Bodily injury to you or household members
- Water damage from improperly reconnected lines
- Damage to your appliance during repair
- Legal defense costs if you sue us
Covers our technicians if injured at your home — protecting you too
This is the most misunderstood insurance in home services. Workers comp primarily protects our technicians. But it also protects you. In California, if an uninsured contractor is injured in your home, you can potentially be held liable for their medical costs. Our workers comp policy removes that exposure entirely.
- Medical costs if our tech is injured at your home
- Lost wages for injured technician
- Removes your potential liability as homeowner
- Covers injuries from heavy lifting, electrical work
- Required by California law for companies with employees
Covers our service vehicles — incidents on the way to and from your home
Our technicians drive service vehicles stocked with parts to your home. Commercial auto insurance covers accidents involving those vehicles during business operations. Standard personal auto policies exclude business use — a technician driving to a job is conducting business, and a personal policy would deny that claim.
- Vehicle accidents during service calls
- Third-party property damage from vehicle incidents
- Parts and equipment in the vehicle
- All service vehicles in our fleet
03 — The Insurance Point Most Homeowners Miss
Workers compensation protects you — not just our technicians
If an uninsured technician is injured in your home, you may be liable under California law
California has some of the strongest worker protection laws in the US. Under certain circumstances, if an uninsured independent contractor or technician is injured while working at your property, you as the homeowner can face liability for their medical costs and lost income. This is sometimes called "statutory employer" liability, and it catches homeowners completely off guard.
When you hire a company that carries active workers compensation insurance, this liability transfers to the company and its insurer. Our workers comp policy means that if our technician injures their back moving your refrigerator or gets an electrical shock during a repair, it is our workers compensation that pays — not your homeowners insurance, and not you personally.
Technician injures back lifting your dryer. No workers comp exists. Technician sues you as the property owner. Your homeowners insurance gets involved. Potential exposure to legal costs and settlement.
Technician injures back lifting your dryer. Our workers compensation activates immediately. Medical costs and lost wages covered by our policy. You are not named. Your homeowners insurance is not involved.
04 — Real Scenarios, Real Coverage
What insurance actually looks like when something goes wrong
"The floor under the refrigerator had to be completely replaced"
A technician reconnects a refrigerator's water line after replacing the ice maker. The compression fitting is tightened correctly at the time — it passes a quick visual check, no visible drip. The technician leaves. Over the next two weeks, a hairline gap at the fitting allows a slow trickle of water to escape. It's not enough to puddle, so no one notices immediately.
Two weeks later, the homeowner notices the engineered hardwood floor in front of the refrigerator has started to buckle slightly. They pull out the fridge and find the subfloor is saturated. The water damage extends under two adjacent cabinet runs. Remediation, subfloor replacement, and flooring replacement total $6,400.
The homeowner contacts us. We acknowledge the connection was our work. Our general liability claim is opened. The insurer sends an adjuster. Flooring contractor costs are covered under the property damage provision of our general liability policy. The homeowner pays nothing out of pocket beyond their time. The key: this scenario would have been a personal dispute — and a very unpleasant one — without active insurance.
"She slipped on the water the technician hadn't cleaned up"
A technician is replacing a washing machine drain pump. He disconnects the drain hose and a significant amount of residual water drains onto the laundry room floor — more than expected. He absorbs most of it with shop towels but misses a thin film near the doorway. The homeowner's elderly mother walks into the laundry room, slips on the wet tile, and falls. She fractures her wrist and requires outpatient surgery.
The injury is not in dispute — the water was from our work and the floor was wet when it should have been dry. Medical costs total $18,000. The family retains an attorney.
Our general liability insurance covers bodily injury to third parties occurring during our work. The insurer handles the claim directly with the attorney. Medical costs, legal defense, and settlement are covered under the policy. The homeowner and their family are made whole. Without insurance, this scenario becomes a judgment against the company that may or may not be collectible.
"He hurt his back moving the Sub-Zero out from the wall"
A technician is accessing the rear of a Sub-Zero built-in refrigerator — a 400-pound unit installed flush with cabinetry. Moving it requires significant force. During extraction, the technician strains his lower back severely. He finishes the visit but is unable to work for three weeks and requires physical therapy. Total medical and lost-income costs exceed $12,000.
The homeowner — a Beverly Hills property owner — is understandably concerned. The technician was injured on their property. Without workers compensation, this scenario carries real homeowner exposure in California.
Our workers compensation policy activates immediately upon the reported injury. The technician's medical treatment and lost wages are covered by the policy. The homeowner is not contacted by our insurer, is not named in any claim, and faces zero personal exposure. Our workers comp exists precisely so that your home doesn't become a liability when a technician has an accident doing physical work.
05 — Our Full Credentials
Insurance is one layer. Here's the complete picture.
BHGS Registered
California state registration #A49573 — verifiable online at bhgs.dca.ca.gov
EPA-608 Certified
Federal certification for refrigerant handling — required by law.
Fully Insured
GL + Workers Comp + Commercial Auto. You are here.
Background Checked
All technicians pass individual background checks before entering homes.
BBB Accredited A+
Better Business Bureau A+ rating. Complaint history publicly viewable.
OSHA Safety Trained
Occupational safety training for all field technicians.
06 — Frequently Asked Questions
Appliance repair insurance — what homeowners ask us
What insurance does Same Day Appliance Repair carry?
Three policies: General Liability (covers property damage and bodily injury during our work), Workers Compensation (covers our technicians if injured — and removes your homeowner exposure), and Commercial Auto (covers service vehicles). All active. COI available on request.
Why does workers compensation matter to me as a homeowner?
In California, if an uninsured contractor is injured at your property, you may face liability for their medical costs under certain circumstances. Our workers comp policy means that liability stays with our insurance — not your homeowners policy, not you personally.
What if a technician causes water damage to my floor?
Our general liability covers property damage caused by our technicians — including water damage from improperly reconnected lines, even if the damage develops slowly over days or weeks after the service visit. Document the damage, contact us, and we open a claim. You pay nothing out of pocket.
How do I verify your insurance is current?
Call (323) 870-4790 and request a Certificate of Insurance. We'll send it same day. A COI shows policy type, coverage limits, effective dates, and insurer. Any reputable company should provide this without hesitation.
Does insurance cover damage to the appliance itself?
General liability covers third-party property damage — including damage to your appliance caused by our technician. Additionally, all repairs carry a 90-day warranty: if our repair causes a new problem, we return and fix it at no charge.
What are the risks of hiring an uninsured company?
Three concrete risks: (1) No guaranteed recourse if they damage your property — civil court is your only option. (2) Potential homeowner liability if their uninsured technician is injured in your home. (3) Possible breach of your homeowners insurance policy or property management agreement, which may require minimum liability coverage from service contractors.
07 — Our Services
Fully insured appliance repair across Los Angeles
Key Service Areas
Fully insured appliance repair — General Liability · Workers Comp · Commercial Auto
Certificate of Insurance available on request. Serving Los Angeles and Southern California.