Public Liability Insurance for Mechanics

Why Mechanics need liability insurance

Whether you repair cars at a garage or are a mobile auto technician, you will be at risk of an incident resulting in damage or injury affecting your business. As a vehicle repairman you may be fixing an engine and leave your toolbox on the floor. Your customer could then come along and trip over it. They could end up with serious injuries from their fall which you could be liable for. This shows why public liability insurance is extremely important.

This insurance policy will protect you from unforseen and costly incidents that motor mechanics could be liable for and which could end up putting your business into financial difficulty. Public liability insurance for mechanics is not compulsory by law but is an important part of your business’ financial security.

Common types of claims

• A customer trips over your hydraulic trolley and injures themselves
• While replacing a tyre, the wheel rolls off and damages another vehicle
• You forget to replace a part on the engine and it subsequently causes damage to the vehicle

This cover is optional but Ashburnham recommends that you certainly consider having it. Furthermore, if you have repair tools and equipment, you will probably want to get tools cover to insure them from potential theft.

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