What insurance policies could a mechanic benefit from and what protection do they provide?
For mechanics, or owners of a garage, there are likely to be a number of assets that you count on to operate an efficient business. The nature of the work that you do - for example vehicle servicing, maintenance and repairs - can create a high risk environment, meaning that your business is faced with threats every day.
There are likely a number of assets that you want to protect against such threats - for instance, your employees, tools of the trade and business premises. If one of these were to suffer from injury, loss, damage or theft, then it could become difficult to successfully run your business.
This is where mechanics insurance comes into play. This type of insurance isn’t actually a policy in itself – it’s a broad term used to describe the various different types of cover that a mechanic or car garage could benefit from, and might choose to include in their insurance package.
The policies you consider for your own mechanics insurance package will depend on your business’s unique needs. However, there are some popular forms of cover that most mechanics are likely to consider, such as:
If you're asking 'Do I need public liability insurance?', click the link for more information.
For more information, be sure to visit our 'What is professional indemnity insurance' page.
It is highly likely that, as a mechanic, you use specialist tools and equipment to complete jobs for your customers. Should these items become lost, damaged or stolen, then a successful claim on your tools or equipment insurance could help to fund the repairs or replacement items you need to keep your business running.For a mobile mechanic’s insurance package, it can be a good idea to include insurance for goods in transit as part of your contents insurance policy. This cover can protect your tools and equipment while you are transporting them between different jobs in case they are stolen, lost or damaged.
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