How mechanics insurance backs you

There are many different trades within the industry in Australia and mechanics make up one of the largest parts of these. As a result, providing mechanics insurance including public liability for mechanics, for AC mechanics and heating mechanics is just as important to brokers as it is to you. You may even be asked to supply a certificate of currency before stepping onto a work site which makes this insurance even more important.

How will mechanics insurance help?

It’s vital to know that in some cases it may be compulsory to produce a certificate of currency for Public Liability Insurance before entering a work site to perform work. This ensures that if a claim against you does arise that you can pay to compensate the damages made to third party property or to the third party injured. On smaller sites or if you run your own business and do not contract out, it may not be compulsory to obtain mechanics Public Liability. However, it’s still important to get cover in order to avoid the associated costs.

If an accident were to occur at your workplace or on site which causes injury to a third party or damages property, you may be found responsible to pay the costs. These costs can run from anywhere between a few hundred dollars to millions in severe cases. By getting instant insurance for your mechanics business you are protecting the future of your business.

Of course there is also other insurance that must be considered when creating your mechanics insurance package. This includes general property cover in case your tools and equipment get stolen or damages, personal accident and injury insurance in case you get ill or injured on the job and can’t work, and Workers Compensation in case your apprentice or workers get ill or injured from the job. All of these are designed to ensure that your back pocket is protected should the worst happen.

What can you claim for?

The risks faced by mechanics are very similar to what other tradesmen face. These include theft, accidents, spillages, tripping, dropping items or injury in the work place. Others are more specific to the job. It often doesn’t matter if you are very careful at performing your work or not, anyone can find themselves in trouble with the smallest error in judgement or by accident.

Why you need an instant mechanics insurance quote now

If you run your own business or work as a contractor or subcontractor we recommend obtaining at the very least Public Liability insurance to cover yourself. If you are employed or work as an apprentice your employer should already have this cover in place for you. However it’s always best to double check and not assume.

Contact All Trades Cover for a quote about your Mechanics Insurance, call us and we will be more than happy to discuss options with you. Visit us at www.alltradescover.com.au, or you can also fill out our easy online form for a quick insurance quote. All information provided above is of a general nature, if you need specific advice we recommend speaking to a broker.