Service businesses are also often called repair businesses. They have some of the characteristics of both retail and contracting businesses. The uniqueness is that the vast majority of income comes from people bringing work and items to them to be repaired or customized.
Click for a list of types of service and repair businesses or special insurance products we offer.
Service businesses by their very nature have a special need for something called property of others coverage since the vast majority of the time you will be left items that need alteration, cleaning, or repair the do not belong to you. We have seen many standard business policies do not offer this important insurance coverage. Or, if they do, it is not enough protection when compared to the real risk of loss. Contact us at 607-843-8860 or insurance@drickardinsurance.com to size up your policy or to design a new one.
Another important coverage to have is called completed products and operations coverage. When you customize or repair something, your work is your product. Your product has a chance of causing bodily injury or property damage. Even if your product doesn't cause a problem, a disreputable person may sue you. Having this type of coverage helps to pay for the costs of legal defense.
As you can see a cookie cutter policy is not complete enough to cover the needs of the business. Here you will find a brief outline of insurance products and coverage you will want to consider for your business. Then contact us at 607-843-8860 or insurance@drickardinsurance.com for more details on how we can custom tailor insurance plans for your individual business needs. A complete insurance package for your sales, service, and repair business would include most of, if not all of these service insurance products:
Building Coverage
Replacement Coverage or Actual Cash Value, you decide what is best for you
Loss of Use
Extra Expenses keeping your business going while at a temporary location
Demolition (when you must tear down undamaged structure after loss)
Increased Cost to Rebuild (codes have changed)
And More
Property Coverage
Stock
Fixtures
Property of others including salesmen's samples and displays
Property At Other Locations
Property While Transported
And More
Liability Coverage
General Liability
Higher Limits
Completed Products and Operations Liability
Personal Injury Liability
Advertising Injury Liability
Cyber Liability
Umbrella Liability
And More
Crime Coverage
Bonds
Theft
Cyber Crime
Mysterious Disappearance
And More
Auto Coverage (this group may purchased separately from all of the others and, wow, our insurers have some great prices)
High Liability Limits
Private Passenger Autos
Trucks
Fleets
Replacement Autos
Hired Autos
Non-Owned Autos
Roadside Assistance and Towing
And More
Employee Coverage (each of these items may be purchase separately)
Workers Compensation
New York State Disability
Paid Family Leave
Employment Practices Liability
Employee Benefits
And More
For more details contact us 607-843-8860 insurance@drickardinsurance.com
This are a partial list of service and repair businesses that we at DRickard Insurance have found products for, click the business category for more information:
A A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Appliance Service and Repair
607-843-8860 insurance@drickardinsurance.com
B A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Bicycle Repair and Service
607-843-8860 insurance@drickardinsurance.com
C A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Calculating and Office Machine Shops
Camera and Video Repair
Cell Phone Sales and Service Store
Cobbler Shops
Computer Sales, Service, and Repair Store
607-843-8860 insurance@drickardinsurance.com
D A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Don't know what we've missed in the category, please let us know
607-843-8860 insurance@drickardinsurance.com
E A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Electronic Equipment Repair and Supplies
Embroidery Service and Sales
Engraving and Photoengraving Services
607-843-8860 insurance@drickardinsurance.com
F A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Fine Custom Works
607-843-8860 insurance@drickardinsurance.com
G A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Grading Services
607-843-8860 insurance@drickardinsurance.com
H A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Hearing Aid Services
607-843-8860 insurance@drickardinsurance.com
I A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Invitations, Announcement, and Business Services
607-843-8860 insurance@drickardinsurance.com
J A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Janitorial Equipment Repair
607-843-8860 insurance@drickardinsurance.com
K A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Kitchen and Bath Distributers
607-843-8860 insurance@drickardinsurance.com
L A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Lighting Repair Shops
607-843-8860 insurance@drickardinsurance.com
M A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Musical Instrument Repair and Tuning
607-843-8860 insurance@drickardinsurance.com
N A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Not Otherwise Classified Repair Services
607-843-8860 insurance@drickardinsurance.com
O A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Office Furniture and Equipment Repair and Services
607-843-8860 insurance@drickardinsurance.com
P A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Pet Grooming Services
Photo Finishing Labs
Photo Studios
Photocopier Services
607-843-8860 insurance@drickardinsurance.com
Q A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Quickly, tell us what we missed here!
607-843-8860 insurance@drickardinsurance.com
R A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Radio and Entertainment Electronics Repair
607-843-8860 insurance@drickardinsurance.com
S A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Sewing Machines and Accessories Repair
Sewing Services
Screen Printing
Shoe Repair
Silk Screen Services
Slide, Film and Video Services
Stereo Service and Repair
607-843-8860 insurance@drickardinsurance.com
T A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Taylor Shops
Trophy Engraving
607-843-8860 insurance@drickardinsurance.com
U A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Unknown Service and Repair Businesses
Upholstery Services
607-843-8860 insurance@drickardinsurance.com
V A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Vacuum Cleaner Repair Shops
607-843-8860 insurance@drickardinsurance.com
W A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Watch Repair
607-843-8860 insurance@drickardinsurance.com
XYZ A B C D E F G H I J K L M N O P Q R S T U V W XYZ
Maybe more choices give us a call 607-843-8860