Commercial Insurance for Repair Shops & Service Businesses

About Repair Shop & Service Business Insurance

Repair shop businesses carry bailee liability for customers' property in their care for service, professional liability for repair work that fails, and the standard general liability and property risks of a customer-facing service business.

Business Insurance Brokers places commercial insurance for radio and television repair shops, furniture and upholstery repair businesses, and general repair shop operations across our 9-state service area. Radio/TV repair (SIC 7622), reupholstery (SIC 7641), and general repair shops (SIC 7699) are all our carrier classes with BOP eligibility. We cover bailee liability for customer property in your shop, professional liability for repair services, commercial property for tools and equipment, and workers comp. We serve repair businesses across Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.

Key Coverages

Unique Risks & Coverage Considerations

Repair shops carry bailee liability for customer property — if a TV or piece of furniture is damaged while in your shop, you're liable. Professional liability applies if repair work fails or causes additional damage. Crime coverage is essential for shops holding valuable customer items.

As an independent broker, we shop the entire commercial market — including specialty and surplus lines carriers that write difficult-to-place risks. Our carrier markets rates many of these classes as Preferred, meaning consistent underwriting capacity and competitive pricing. We present you with the best available options for your specific operation, location, and loss history.

States We Serve

We place commercial insurance for California businesses in Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Fresno, Long Beach, Oakland, Bakersfield, Anaheim and statewide — alongside our existing markets in Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.

Why Choose Business Insurance Brokers?

We are 100% focused on commercial insurance — no personal auto, no homeowners policies, no distractions. That means deeper expertise, stronger carrier relationships, and better outcomes for your business. When you work with us, you get a dedicated commercial broker who understands your industry.