Mechanic insurance is designed to cover a number of trades in the sector, from mobile mechanics to auto electricians. The risks associated with the motor trade require specialised insurance to protect your livelihood, so if something unfortunate were to happen you’ve got peace of mind knowing you’re covered.
There are a number of covers to consider that can be tailored specifically to your business activities. Liability insurance is a must for any mechanic, and public liability can cover you against accidental injury or damage to third party property. As cautious as you may be in your day to day activities, mistakes can be easily made, meaning comprehensive mechanics insurance is essential for any business owner.
Employers' liability insurance should also be taken out if you have full or part time staff, as required by law, in case they injure themselves at work. For instance, if a member of staff burnt their hand whilst doing some welding work, employers' liability insurance would cover the legal and medical costs as well as compensation awarded as a result.
If you are driving your client’s vehicles, whether you are delivering them back to their home, or simply moving them in and out of your repair centre, you will need to take out road risk insurance to protect yourself against unforeseen events. This can safeguard your business against accidents while clients’ vehicles are in your care.
Whether you’re mobile, or based in a workshop, you will have an extensive collection of tools that would be costly to replace. Protecting your equipment is essential; without it, you wouldn’t be able to trade. If you own the premises you trade from, then buildings insurance can be added to your policy as well.
Business interruption insurance can protect you if you suffer damage at your premises resulting from an insured event. This means that if you had a fire at the premises meaning you were unable to trade, business interruption would cover your profit and fixed expenses including staff salaries to tide you over while you get back up and running.
All these covers can be tailored to your requirements, whether you are mobile or premises based, we can source the right mechanic insurance to suit your business needs.
Call today or request a call back. Our advisors are on hand to discuss your specific requirements, and arrange your mechanic insurance policy for you.