About Business Insurance for Mechanics
Your business may operate efficiently and has done for many years but all it takes is incorrect advice or a customer to fall over a piece of equipment for a claim to be made. They could become injured or experience financial losses as a result of negligence which means your business is at risk.
This is where our business insurance packages can really make a difference to your business. A claim made, without the right insurance in place can cause you many problems and it can cripple you financially. Defending claims and paying compensation can prove costly in many ways but this only highlights the importance of putting the right cover in place. Business insurance will help to pay any costs associated with a claim giving your business the confidence to operate knowing that the right protection is there.
Business insurance for Mechanics
You may think that business insurance is not a requirement both legally or by your business in general but this is where you are wrong. You work in an industry that has a number of hazards and these can impact your customers in many ways. Our business insurance is affordable and designed to fit your budget and your business needs so you can forget about the stresses of dealing with a claim and focus on your business.
How Does It Work?
As a mechanic you are expected to meet certain standards and legal requirements and many of these are put in place to protect your customers. As your customers depend on you to provide a reliable service you are exposed to a number of risks. As these risks could prove costly, having the right business insurance can help you in many ways.
Professional indemnity insurance will ensure that you are fully protected should a claim be made against you. Offering advice puts you at risk and if you act negligently or offer incorrect advice that leads to injury or financial loss then a customer can make a claim against you. You may advise a customer to use a certain product on their car that causes damage or you may tell them that a part on their car does not require changing that could cause them to crash their vehicle and become injured. Whichever way you look at it, you offer advice, therefore you need to be protected.
Your garage can be a dangerous place for your customers. Heavy goods, dangerous machinery and moving vehicles all pose a risk. This means that public liability is a must have for your business. A customer could be hit by a rolling vehicle or a heavy tool could be dropped on them all of which could cause serious injury. This makes it possible for customers to submit a claim which could prove costly for your business if you do not have public liability insurance in place.
Our business insurance provides these features:
- All claims, regardless of the outcome are covered
- Assessment is carried out on all claims prior to payments being released
- Your business will rely on the cover from the moment it is put in place
- Costs linked to defending claims as well as paying compensation are covered
- Cover will fit around the needs of your business
- Court appearance costs are covered
- Your cover will reflect your budgetary needs.
What Are the Benefits?
Business insurance comes with the following benefits:
- Legal responsibilities and regulations are met
- Focus on your business and not on claims
- Protects you financially
- Advice is available along with representation
- Your business will look professional and trustworthy