MR. APPLIANCE

For Mr. Appliance, the 2025 franchise disclosure document, Item 8, requires general liability at $1,000,000 per occurrence and $2,000,000 aggregate including products and completed operations; commercial auto at a combined single limit up to $2,000,000, no less than $1,000,000; workers' compensation regardless of state requirement; and cyber liability at $500,000 per claim and in the aggregate. Mr. Appliance SPV LLC and its designated affiliates must be named additional insured with a waiver of subrogation, coverage must be primary and non-contributory, and the carrier must be rated A.M. Best A-VIII or better.

Yes, through products and completed operations coverage — the part of general liability that responds to harm caused by your finished work after the job closes. The fire damage to the kitchen and home is covered resulting damage. The cost to replace the appliance you repaired can fall under the "your work" exclusion. Confirm completed operations is in force, extends past the completion date, and is sized to a structure fire, not just an appliance.

Appliance work concentrates exposure in completed operations — the failure that surfaces after the tech leaves. If you add refrigerant or sealed-system work, ask your carrier whether a pollution exclusion applies to refrigerant release, since standard general liability can exclude it. The narrower service scope reduces the scope-creep risk of a multi-trade handyman but raises the importance of completed-operations and care-custody-control coverage.

Accidental water damage to the customer's other property — cabinets, flooring, the ceiling below — is generally covered under completed operations when it traces to a hookup your tech made. The connection itself can fall under the "your work" exclusion, and mold that grows from a slow leak can hit the mold and fungus exclusion. Confirm completed-operations coverage and ask about a limited mold endorsement.

General liability generally covers accidental damage to a customer's other property, but the care, custody, and control exclusion removes coverage for the appliance in your tech's control during the repair, and the "your work" exclusion removes the repair itself. Add a care, custody, and control endorsement, sized to the value of the appliances your techs handle.

General liability excludes employee theft because it is dishonesty, not an accident. The FDD does not require crime coverage. The protection is a third-party commercial crime policy at $250,000 with a theft-of-customer-property endorsement, on a Loss Discovered form — it pays without a conviction and does not seek the money back from you.

Because the brand runs on a connected scheduling, customer-database, and payment system. The FDD requires cyber at $500,000 per claim and in the aggregate to cover breach notification, data restoration, ransomware, and fraud-induced fund transfers. It is a required coverage, so it belongs in your compliance stack from day one. Confirm your policy includes social-engineering and funds-transfer-fraud coverage.

Yes. The Mr. Appliance FDD requires workers' compensation regardless of whether your state mandates it. Workers' compensation pays an injured tech's medical bills and lost wages; employers liability responds when an injured worker sues the employer. Some states may also require you to pay workers' compensation premium for uninsured 1099 installers you use.

Your auto policy covers the van, not the diagnostic equipment, specialty tools, and parts inventory inside it. Inland marine — an equipment floater — covers that property in transit, at job sites, and in the vehicle, usually on an actual cash value basis. For a van full of diagnostic tools and parts, it is worth the line.

Commercial and Key Account work — property managers, restaurants, multi-unit housing — often requires higher certificate limits than the FDD minimum, sometimes $2,000,000 per occurrence with the client named as additional insured. The FDD's own Key Account language confirms higher required amounts apply when a Key Account demands them. Commercial work also raises your revenue, an audit base for general liability. Confirm your carrier can produce those certificates before you commit.