Liability Insurance for Attorneys: What You Need to Know

For Mechanics on the Move

INSURANCE FOR MOBILE MECHANICS

If you are a mobile mechanic, you understand the risks that your employees and your business are exposed to. From testing to diagnosing – the nature of activities and jobs that your business has, can bring bodily injury or property damage. That is why, whether you are a mobile mechanic, repairer, or an engineer, you need to protect your business from any disruption that may affect your investments and assets.

We, at Inszone Insurance, have access to many insurance carriers that can provide you the insurance that you needed the most. You have unique needs for protection, and we have the right and custom-fit insurance to complement that.

Benefits of having a mobile mechanic insurance plan

Here are the benefits of investing in a mobile mechanic insurance plan today:

• If you are road testing or diagnosing the vehicle of your client and accidentally damaged the vehicle or get someone injured, your insurance will cover the injuries and damages involved.
• Depending on your coverage plan, if your business is being sued for fraudulent activities or for injury and damages, your insurance will cover the expensive legal costs and processes.
• If you have expensive equipment and tools that were lost or damaged while doing your job, your insurance plan will cover the repair and replacement for it.

There are different types of mobile mechanic insurance that can cover different aspects of the business, such as:

• General liability insurance: This can help cover the costs of bodily injury or property damage that may occur as a result of the business operations. For example, if a customer slips and falls on a tool left by the mechanic, or if the mechanic accidentally damages the customer’s garage door while working on their car, general liability insurance can help pay for the medical bills or repairs¹.
• Garage liability insurance: This can help cover the legal liability for accidents involving vehicles that are in the care, custody, or control of the business. For example, if a mechanic causes an accident while test-driving a customer’s car, or if a customer’s car is stolen or vandalized while parked at the mechanic’s location, garage liability insurance can help pay for the damages or lawsuits².
• Garage Keepers insurance: This can help cover the physical damage to vehicles that are in the care, custody, or control of the business. For example, if a fire breaks out at the mechanic’s location and damages several customer cars, or if a mechanic drops a tool on a customer’s car and scratches the paint, garage keepers insurance can help pay for the repairs or replacements³.
• Commercial auto insurance: This can help cover the vehicles that are owned, leased, rented, or borrowed by the business for business purposes. For example, if a mechanic drives a truck with tools and equipment to visit customers, or if a mechanic uses a personal car for business errands, commercial auto insurance can help pay for the damages or injuries that may occur in case of an accident⁴.
• Workers’ compensation insurance: This can help cover the medical expenses and lost wages of employees who are injured or become ill while working for the business. For example, if a mechanic suffers a back injury while lifting a heavy engine, or if a mechanic develops a respiratory illness from exposure to fumes or chemicals, workers’ compensation insurance can help pay for the treatment and recovery⁵.
• Business owners’ policy (BOP): This is a package policy that combines general liability insurance, commercial property insurance, and business interruption insurance. Commercial property insurance can help cover the buildings, equipment, tools, inventory, and other assets that belong to the business. For example, if a storm damages the roof of the mechanic’s location and forces them to close temporarily, BOP can help pay for the repairs and the lost revenue⁶.

How much does mobile mechanic insurance cost?

The cost of mobile mechanic insurance depends on various factors, such as:

• The type and amount of coverage needed.
• The size and location of the business.
• The number and type of vehicles serviced.
• The number and qualifications of employees.
• The claims history and safety record of the business.

Mobile mechanic insurance costs in California can vary based on several factors. Let’s explore the details:

1. Types of Coverage:
   • General Liability Insurance: This fundamental coverage protects against lawsuits and financial liabilities resulting from accidents or mishaps. It covers bodily injury, property damage, and personal injury claims.
   • Garage Keeping Legal Liability Insurance: If you’re a service station or towing business, this insurance protects customers’ vehicles while they’re being kept or repaired.
   • Workers’ Compensation Insurance: It covers medical costs and lost wages for employees injured during work.
   • Business Owners Insurance (BOP): Provides general liability insurance and loss of income coverage.
2. Cost Factors:
   • Business Size: Premiums depend on the size of your mobile mechanic business.
   • Coverage Levels: The more comprehensive your coverage, the higher the cost.
   • Type of Business: Different types of mechanics (e.g., mobile, auto, diesel) have varying insurance needs.
   • Employee Count: The number of employees affects the premium.
   • Level of Coverage: Higher coverage levels increase costs.
3. Average Costs:
   • General Liability Insurance: Typically starts at around $25 to $50 per month.
   • Garage Keeping Legal Liability Insurance: Varies based on the value of vehicles kept or repaired.
   • Workers’ Compensation Insurance: Cost depends on payroll and risk factors.
   • Business Owners Insurance (BOP): Pricing varies.

Remember that these are approximate figures, and actual costs may differ based on your specific situation. It’s essential to consult with our insurance agents to get accurate quotes tailored to your mobile mechanic business.