Dave Beard

Expertly compared by Dave Beard

Products Updated June 4, 2018

Business Insurance for Mechanics

As a mechanic your customers put their full trust in your knowledge and expertise. This is great for you as a business but it does put you at risk of claims being made against you. Our experts can ensure you have a policy in place to protect yourself and the business against costly customer claims.

Our insurance experts can compare the market to find you the best deal on business insurance. Get a free quote and advice today:

4 providers expertly compared:

Simply Business

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Provider
Business Insurance

Products
Professional Indemnity, Public & Employers Liability Cover

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.8/ 5

All credit types

Simply Business is a broker that provides a wide range of business insurance cover. They specialise in small businesses and can advise, compare and arrange the right insurance products to ensure you are not only protected by get the best deal on the market.

4 providers expertly compared:

Available via broker only

Zurich

Provider
Zurich Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.6/ 5

All credit types

The right insurance package will give you the peace of mind to successfully grow your business. Zurich have an extensive suite of insurance products tailored to a wide range of small and SME businesses to ensure you have complete protection from all risks.

4 providers expertly compared:

AXA

Provider
AXA Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.7/ 5

All credit types

AXA business insurance can cover you and your business for every eventuality. Apply online today and save an extra 10% on your quote instantly.

4 providers expertly compared:

Hiscox

Provider
Hiscox Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.8/ 5

All credit types

Hiscox commercial business insurance provides a professional level of cover to protect every aspect of your business, from the premises to the people who work for you, and any legal matters that may arise from your day-to-day operations.

Read our customer and visitor reviews for this product:

Rating: 5 / 5 with 1 votes

Recieved quotes as promised.

by Clear Eye Wear Limited

Happy with the process and quotes. Simple to use and back up with a phone call. No pressure to buy, which was reassuring.

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

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.

The Features

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

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