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Public & products Liability Insurance for Mobile Mechanics and Auto Repair Shops

Public & products liability cover to protect your Automotive Repair, Automotive Servicing, General Mechanical Repairs, Mobile Mechanic Service, Car Detailing Service and similar activities.

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What is covered under the mechanic and automotive business insurance?

Mechanics are covered under the public and products liability insurance which is designed to include both public liability and products liability insurance.

This policy covers businesses, contractors and sub-contractors that work full time, part time or casually.
Public Liability

Public liability insurance protects you and your business against any liability if someone is injured on your premises or while you are providing your services in Australia.

Products Liability

Products Liability insurance protects you for claims made against your business for any products sold or supplied by you to a third party. This might be a claim arising from a faulty product that injured someone else.

Vicarious Liability

Vicarious liability insurance covers you for any conduct of your agents, contractors or employees in the performances of your services.

Care, Custody & Control

Care, custody & control pays for property damage that might occur to premises or third party parked vehicles while you occupy premises and where the loss or damage did not occur through the performance of your work.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

other benefits

Value added benefits of the mechanics insurance policy

Contract Review

This entitles you to four contract reviews each year you have your mechanic business insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

You're test driving a client's car when you lose control and hit a pedestrian, causing serious injuries that require medical attention.

Trips, Slips and Falls

Some motor oil spills accidentally on the the floor, your client doesn’t realise and slips on it dislocating their shoulder.

Third Party Damage

While backing out of a site you accidentally reverse into a parked car, causing thousands of dollars of damage.

exclusions

What is not covered (exclusions) under the mechanics insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Hairdressers & Barbers
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Beauty therapists & Beauty salons
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Eyebrow shaping
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Makeup artist
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Makeup artist
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Other 50+ Construction Occupations
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how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as a business and your expected income! No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get business insurance to win that client or to sub-contract, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, mechanic and automotive business insurance is the perfect solution for business owners, contractors or sub-contractors.
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FAQs

You asked, We answer

Why is mechanic and automotive business insurance important?

Whether a business owner or a contractor, working as a mechanic involves the use of tools, equipment and chemicals. This leaves scope for errors and sometimes mistakes happen or things do not go according to plan. If your clients holds you responsible, it could put at risk everything you have worked for.
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You may still be required to get insurance even if you are working as a contractor. If you’re unprotected, you could suffer a devastating financial blow.

What can a mechanic be sued for?

While we hope it doesn't happen, mechanics can potentially be sued for: 
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• Covering medical costs (current and future) for a client or third party that is injured
• Loss of a client or third party's earning capacity when the client is off work
• Additional compensation if the damage to the client or third party is permanent/long-lasting
• Mental trauma, pain and suffering of the client or third party from the injury

What limits are available?

You can get covered today with tailored mechanics and automotive business insurance that provides public & products liability insurance limits available up to $20m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078