Household Appliance Store Insurance

Household appliance stores operate at the crossroads of high-value merchandise, complex installation services, product liability exposure, and floor-traffic risk that generic retail policies are simply not designed to address. A refrigerator display unit falling on a customer, a washing machine installation that floods a homeowner’s kitchen, or a recalled range that sparks a house fire all create liability scenarios that go far beyond a standard storefront policy. The Allen Thomas Group designs household appliance store insurance programs around the actual risks of selling, delivering, and installing major appliances — not a one-size template lifted from a hardware store quote.