As with anyone involved in the motor trade, a mobile mechanic will need to be covered by a well-constructed insurance policy as even though they might not have a garage, there are still risks to the business that need to be covered. There are various reasons that a mobile mechanic will need insurance, and these include:
- Auto insurance – Travelling to your customers will mean having insurance to cover the van you travel in from client to client which is, essentially, your workshop filled with tools and spare parts for repairing vehicles. This insurance will cover any damage to your vehicle as well as liability if you’re involved in an accident while travelling to a customer’s location and is a legal requirement to drive any vehicle on the road.
- Liability protection – As with any business involving servicing customers and their property, mobile mechanics face the risk of liability for accidents or damage that occurs during their work. Liability insurance will cover any legal expenses and compensation costs if the mechanic is found responsible for injuries to customers, damage to their vehicles or third-party property.
- Business interruption – If a mobile mechanic is unable to work because of an accident or damage to their service vehicle, then this insurance will provide compensation for the loss of income – helping to cover ongoing expenses.
Other elements to consider in an insurance policy for a mobile mechanic might well be cover for their property – the tools, equipment and parts they carry in their vans – and professional liability in case a customer claims their work is subpar, incomplete or resulted in further damage to the vehicle.
If as a mobile mechanic, you’re not working alone but have employees working for you, then you will legally have to have employer’s liability insurance too.
Whilst auto insurance of Third Party Only (TPO) is the most basic legal requirement for a mobile mechanic, and employer’s liability if there are employees, if you only have the most basic of insurance cover you may find yourself in a difficult situation which could be the end of your business and income.
If your insurance coverage is not sufficient a disgruntled customer may decide to sue you. Other disasters such as theft, vandalism or fire of your van will also cause catastrophic implications for your business, which if not covered by adequate insurance risks ending your business. Getting the right insurance will mean a small initial outlay that can save you thousands in the long run – assuring you that your back is covered.