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Home > Blog > What Types of Insurance Do Mechanics Need?
WEDNESDAY, OCTOBER 11, 2023

What Types of Insurance Do Mechanics Need?

Mechanics play a crucial role in keeping our vehicles running smoothly. While they possess expertise in diagnosing and repairing automotive issues, it’s equally essential for them to safeguard their businesses against unforeseen challenges. One effective way to do this is by investing in various types of insurance coverage tailored to their specific needs. 
mechanic looking under hood of car writing on a clipboard
While the exact coverage needs of mechanics may vary depending on their unique circumstances, the following types of insurance may often be advisable for most: 

  • General liability insurance provides coverage for third-party bodily injury, property damage and personal injury claims. For mechanics, this coverage can prove invaluable in case a customer is injured on the premises or if their vehicle sustains damage while in the shop.
  • Garage-keeper insurance protects against claims arising from accidents or damages when a customer’s vehicle is in the garage’s care. This may include test drives, customer vehicle storage or other similar activities.
  • Commercial property insurance financially safeguards physical assets, including tools, equipment and inventory, against perils like fire, theft, vandalism or natural disasters. Repairing or replacing these items can be expensive, making this coverage vital for mechanics.
  • Business interruption insurance provides financial assistance when unexpected events, such as fires, floods or natural disasters, force a business to close temporarily. It covers lost income and various operating expenses, helping mechanics stay afloat during difficult times.
  • Workers’ compensation insurance ensures that employees receive medical treatment and compensation for lost wages if they are injured on the job or develop a work-related illness. It also financially protects businesses from potential lawsuits related to workplace injuries.
  • Commercial auto insurance is essential for mechanics who operate company-owned vehicles or use their personal vehicles for business purposes. It covers both vehicles and drivers in case of accidents or other mishaps on the road.
  • Professional liability insurance, also known as errors and omissions insurance, provides coverage for legal defense and settlements if a customer or client accuses a mechanic of making a professional error, providing inaccurate advice or otherwise providing inadequate services.
  • Cyber liability insurance helps cover costs and losses arising from data breaches or other cyber incidents, such as notifying affected parties, paying legal fees, restoring compromised systems and hiring additional help, such as credit and fraud monitoring services or public relations firms. 

Get the Right Coverage 
Mechanics work hard to provide top-notch automotive services, but they also need to protect their businesses from various risks. Investing in a comprehensive insurance portfolio can give peace of mind and financial security. 

Contact the agents at Transworld Insurance Group today to consult with a team that has over 30 years of experience helping businesses, families and individuals assess and address their coverage needs. 

 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. 
Posted 10:29 AM

Tags: mechanics
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