Insurance for Mechanics
Public Liability and Portable Equipment cover
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Public Liability and Tool cover
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What is mechanics insurance?
Car mechanic insurance (the different types of cover available to mechanics) helps protect against the cost of property damage claims, damaged equipment, and some other common risks. You’re a pro at getting customer vehicles road ready. But everyday business risks—from workplace accidents to broken equipment—could create expensive bills that bring your garage to a standstill. Mechanic business insurance can help you manage the cost of claims, lawsuits, and other unplanned expenses.
Why do mechanics need insurance?
Mechanics may need business insurance to meet contractual obligations and cover unexpected bills.
Lease commercial garage space.
Replace damaged tools and equipment.
Take time off during an injury or illness.
Pay legal costs if you face a liability claim
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
What types of insurance do mechanics need?
We offer a range of policies designed to cover your garage, stock, tools, and equipment. Build an insurance package that suits your needs and buy in minutes.
Popular cover types for Mechanics:
Mechanics may also consider:
How much does mechanic insurance cost?
The average cost of business insurance for mechanics is $207 per month with BizCover.
However, the cost of your policies will depend on different factors, such as the services you provide and the size of your business.
Factors influencing cost
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
5 easy steps to get instant cover online today
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
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- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
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- Get Cover Today
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How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See How Much Others Have Saved By Purchasing a Policy Through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
While generally not required to get licensed, mechanic Public Liability insurance may be required in other circumstances. For example, you may need cover to lease a commercial garage and/or workspace for your business. If you provide specialty services as a contractor or subcontractor, your business contract may include a Public Liability requirement.
Hear from our customers
Very nice customer service
V Nemeth
Quick and easy cover. Done online in around 10 minutes!
J Barnett
Quick and easy, Took the hassle out of shopping around and comparing
A Tempany
Love it! Quick, simple, yet professional
P Soloviev
Some of the best service I have had over the phone.
S Handley
Very easy to navigate and fully covered in less than 5 minutes!
Y Matsuura
Real-life customer reviews verified by Feefo