Mechanics Insurance

Mechanic’s jobs can take you lots of places including private houses and business sites. Being on someone else property means public liability insurance for mechanics should be highly considered.

Accidents happen, mechanics drop materials and public liability protects a mechanic against claims lodged against you by a third party, a customer, the general public, your contractors and suppliers. It includes cover for third party personal injury, property damage and legal expenses in defending a claim.

imar’s mechanic public liability insurance offers a choice of indemnity options for 5, 10 or 20 million dollars.

If your tools are stolen, you can’t do your job, so tool insurance for mechanics should be highly considered. imar tool insurance covers your tools of trade, hand held tools, mobile phones, stock and customer’s property which are used by you in the normal course or scope of your business. Portable electronic goods like mobile phones are covered under the tool insurance for mechanics.

Tool insurance protects your tools or stock if they are stolen or damaged. If your tools are stolen from a locked vehicle or premises, they are protected. If your tools are damaged by fire, vandalism and the collision or overturning of your vehicle, they are protected.

There are important limitations and conditions on cover, particularly where tools are stored and how they are secured; including a deprecation factor on insured values. Please refer to the Product Disclosure Statement.

Our policies also include Vicarious Liability cover which means if you’re drawn into a legal action as a result of a subcontractor’s negligence, you’ll be covered.*

*Subcontractors require independent public liability insurance

Whether you are working on site or playing footy on the local oval, imar’s accident and sickness (injury and illness)insurance covers you 24/7. If you are accidentally injured or suffer a covered illness and you can’t work for a temporary time.

Motor vehicles like utes and sedans are essential for mechanics and can be covered by imar’s commercial motor insurance comprehensive policy, and as part of your overall insurance. Fully comprehensive and 3rd party policies are available. In addition imar covers permanently fixed tool boxes and tools of trade permanently attached to the vehicle or trailer.

imar will cover you for up to $10,000 of your accountant’s fees, charges, expenses which are reasonably incurred to prepare for any statutory tax audit on your behalf. Mechanics may be targeted for audits, so at imar we want to minimise your risk.

If your work if found to be faulty and results in 3rd party property damage, imar has you covered. Sometimes things don’t go to plan. While standard insurance policies exclude cover to redo faulty workmanship, imar can arrange this cover.