Mechanics Insurance

Mechanics usually need a complete set of insurance policies that include:

• Public liability insurance: Covers injuries or damage to other people’s property.
• Professional indemnity insurance: Protects against claims of not doing the job correctly.
• Tool and equipment insurance: Covers expensive tools if stolen or damaged.
• Commercial property insurance: Protects the workshop and its contents.
• Business interruption insurance: Covers lost income if something insured happens.
• Commercial vehicle insurance: For vehicles used for business reasons.
• Workers’ compensation: Essential for all those companies that have workers on their premises.

A business’s exact insurance needs can change depending on its structure, size, and services. We help mechanics create special insurance packages for complete protection.

The rate of mechanic coverage can alternate based totally on numerous matters:

• The size of YOUR business and how much money it makes each year
• How many employees do YOU have
• The kinds of services YOU provide
• The cost of the gear and equipment YOU use
• Where YOUR workshop is located
• YOUR history of insurance claims
• The range of coverage YOU require and the deductible YOU select

We try to understand each business’s unique needs and risks to create a personalised insurance package. By working with many insurance companies, we can compare different policies to find the best deal, ensuring YOU have enough protection without paying for things YOU don’t need. To obtain an ideal price, it’s a good choice to talk to us, and we can give YOU a detailed assessment and a customised quote.

Public liability insurance for mechanics primarily covers the following:

• Injuries to others: Medical bills and legal fees for injuries on the premises or because of the work.
• Damage to others’ property: Repairs for customer vehicles or property damaged during work or on the premises.
• Legal fees: Money for a lawyer if someone claims the mechanic.
• Product issues: Protection for injuries or damage caused by parts installed or products sold.
• Work-related claims: Claims that come up after the work is finished.

Remember, public liability insurance doesn’t cover damage to the mechanic’s property, intentional actions, or claims about professional advice. We help mechanics understand their insurance coverage and ensure the proper protection for their business.

As a mobile mechanic, you’ll likely need specialised insurance due to the nature of YOUR work. Here are the basic types of insurance YOU should consider:

• Improved public liability: Protects YOU against claims of property damage or injury to others while working at various locations.
• Tool and equipment insurance: Protects tools while moving or using them on the job.
• Commercial car insurance: Covers the vehicle used for the work.
• Goods in transit insurance: Secures the parts transported from one place to another.
• Business interruption insurance: Covers lost income if something insured happens.
• Professional indemnity insurance: Protects if someone claims to make a mistake.

Mobile mechanics have unique risks, like working in less controlled places. We know these challenges and help create complete insurance plans for mobile mechanic businesses. It’s a good idea to talk to us to figure out what insurance YOU need and ensure you’re adequately covered.