Specialist Motor Trade
Insurance Broker for
Mechanic Insurance

Motor Mechanics may also need Liability cover for both members of the public and employees.

Employers Liability Insurance

Employers Liability insurance is a legal requirement if you employ anyone on either a permanent or temporary basis. It is to protect you against any claim they may make against you for injury. Courts will nearly always seem to award in favour of an employee and claims can be very substantial – with just minor looking injuries costing employers tens of thousands of pounds. Employers Liability cover cannot normally be taken out on it’s own – it is usually tied to a Public Liability policy.

Public Liability Insurance

Public Liability insurance policies can be purchased without the Employers Liability cover and protect you against claims made by members of the public for damage or injury that you have caused. This cover is not compulsory but must be bought if you also need Employers Liability Insurance. Policies we sell are extended to include Sales and Service Indemnity, which protects you if an error you have made in repairing a car later causes an accident.

IMPORTANT

People employed by you to do work even on a “Self Employed” or “Sub-Contract” basis are not members of the public and the only way you can protect yourself against claims made by them is to arrange Employers Liability cover.