mobile mechanical insurance
some mechanics provide home service to customers. literally speaking, they are what is called mobile mechanics. If you are one, you should know that there is bespoke mobile mechanic business insurance that includes liability insurance and commercial auto insurance.
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mobile mechanic civil liability insurance
Mobile mechanics liability insurance will protect you while working on a client’s car at their residence or office. Since mobile mechanics don’t typically use jacks or other heavy machinery, liability insurance costs for small mechanics are usually quite affordable. The most common liability insurance available for mobile mechanics is general liability and professional liability.
Many mobile mechanics also specialize in diesel mechanic jobs. Diesel trucks can often be more complex to work on and cost more money, so your liability policy may be slightly more expensive for a diesel mechanic insurance policy than a standard auto mechanic policy.
Commercial Auto Insurance for Mobile Mechanics
Another common insurance policy that mobile mechanics purchase is a commercial auto insurance policy. If you use a vehicle to transport your tools to and from your home to your client’s home, then you can register it as a business vehicle and get additional coverage that your personal auto insurance policy won’t necessarily provide.
auto repair shop insurance
Auto repair insurance or auto repair shop insurance is likely to be the most involved. Chances are you have multiple employees working for you at the store, so in addition to having a good liability insurance policy, you’ll also need other insurance policies.
auto repair shop liability insurance
auto repair shop insurance offers liability insurance as the most basic protection. Liability insurance for your repair shop comes in the form of general liability insurance and professional liability insurance. We discussed this earlier, but to quickly remind you, general liability insurance provides protection against personal injury claims, property damage claims, and advertising injury claims. Professional liability insurance, on the other hand, will cover claims brought because your auto repair shop committed or allegedly committed actions that constitute errors and omissions.
commercial property insurance
Of course, you need to protect your auto repair shop retail space from exposure. the only way to do this is through commercial property insurance.
Commercial property insurance will pay to rebuild if your auto repair shop business building is destroyed by fire or extreme weather. If theft, fire, vandalism, extreme weather, and other covered perils caused only damage, commercial property insurance will pay the cost of repairing the building.
Business auto repair property insurance has coverage for business equipment and tools. This will reimburse losses if valuable equipment and tools are lost or damaged due to theft, vandalism, and other covered perils.
workers compensation insurance
employees in your auto repair shop can experiment and get injured. This threat is obvious. in fact, there are recorded incidents. here are some examples.
At about 11:40 am on September 8, 2011, an employee was working on a car with an alternator that was not charging the battery. while working on it, the car’s radiator exploded, spraying the employee with hot coolant. he was hospitalized after suffering second-degree burns to his chest, arms, neck, face, and head. other injuries included lung infection, kidney trauma, and hearing loss.
at 3:30 p.m. on July 17, 2019, an employee amputated his thumb while loosening a tired bead from a wheel with the bead breaker of a tire changer. the incident occurred because the employee had his hand trapped between the wheel rim and the tire bead
at 8:30 a.m. m. on July 24, 2020, an employee was repairing a chevy silverado that was raised 5 feet off the ground. as he released the transfer case, the truck rolled off the lift and crushed the employee’s head. this resulted in injuries to the head, face, and torso
If any of the following examples ever happen to your employees, trust that workers’ compensation insurance will be there to help. Workers’ compensation insurance’s job is to pay for hospitalization, treatment, medications, and compensation for lost earnings for employees so you don’t have to spend a dime.
See also : What Is Private Health Insurance? | eHealth
Workers’ compensation insurance is state-mandated coverage. you need it as soon as you have one or more employees. If you refuse to obtain this insurance, the state authorities will impose severe penalties.
insurance for mobile auto repair companies
Mobile auto repair business insurance is what you will need to purchase if you operate a mobile auto repair business. Generally speaking, mobile auto shops won’t have to pay as much in premiums as a large shop will. A typical commercial mobile auto repair insurance includes liability insurance, commercial auto insurance, and workers’ compensation insurance.
Workers’ compensation insurance will cover any claims coming from employees who are injured while working for your auto repair business. On the other hand, commercial property insurance will protect all equipment against theft, severe weather damage, or destruction
bicycle mechanic insurance
Although it is a completely different topic. Let’s talk about custom insurance for bicycle mechanics.
civil liability insurance for bicycle mechanics
Bicycle mechanic liability insurance is offered primarily as general liability insurance. General liability insurance will cover defense costs and settlements if a customer files a claim because she injured him while working on his bike or because she caused more damage than repairing the bike.
equipment and tools insurance
Custom Bike Mechanic Insurance includes independent equipment and tool insurance. Equipment and tools insurance will cover your losses if your bike repair kit is damaged or lost on-site or off-site due to theft, vandalism, and other covered perils.
mechanical workshop insurance
Some garage maintenance businesses also offer mechanical services to their customers while the car is in storage. The average cost of garage attendants insurance is $96 per month. Generally, the type of repair service provided is simple in nature and does not involve extensive repairs. however, there is still a slightly higher risk, which can increase the cost of insurance up to $138 per month.