Don’t Let Your Mechanic Business Break Down - Insure It!

This is for any business operating in the motor trade industry, including vehicle retailers, fuel retailers, fitment centres and (here's your turn) vehicle repair and service centres... aka auto repair shops and garages! Motor Traders Insurance is available to any size of business and can be taken out by part-time mechanics, too. Be sure to ask if all types of vehicles will be covered.

While aspects of Motor Traders Insurance are similar to standard Business Insurance, there are elements that are unique to car repair garages. For example, it covers vehicles on your insured premises against accidental damage, while also extending to vehicles on the road or parked elsewhere in the event of loss or damage.

This would be especially relevant if your shop is so popular that you have a line of cars waiting for your attention (fingers crossed!), or if one of your employees takes a client's vehicle for a test drive and gets into a fender bender.

This type of insurance can also cover specialised equipment and the expensive stock you keep on hand should these be damaged in the event of fire, water, explosion or impact.

South African roads can be dangerous, and when you drive for a living, this type of Business Insurance is crucial to get right. When you compare quotes for passenger transport insurance, be sure to look at the benefits, exclusions, and the cost to find a solution that meets your budget and risk profile.

The name says it all. Business Car and Commercial Property Insurance will be invaluable should your business vehicles or premises suffer from theft, fire damage or a natural disaster. Being comprehensive in nature, it doesn't cover only the big items: you can include the likes of your office computers and other essentials.

Public Liability insurance is important for you and your employees. It protects your business if it's found to be legally responsible for third-party property damage or bodily injury suffered during working hours. This includes cases of negligence resulting in the death, bodily injury or illness of any person, as well as accidental loss of or damage.

It's grim to think that you might ever need this, but the reality is that anything can happen anytime. Be prepared for any possibility, while hoping it never comes to pass.