Mobile Mechanic Insurance Inquiry
Hello everyone! I appreciate your time and help with this. I’ve recently transitioned to running a Mobile Mechanic/Auto Repair business, and I’m a bit confused about the right type of insurance for my situation. Since I operate entirely on-the-go without a physical repair facility, I’m uncertain whether I need General Liability or Professional Liability insurance. My understanding is that General Liability covers negligence while Professional Liability addresses damages, but I’m not sure if that’s correct. Could I possibly only need one of these?
Additionally, I’ve been struggling to find a provider that offers the necessary insurance at a reasonable rate. I’ve tried NEXT Insurance, but they won’t provide general liability coverage if I perform any lift or modification work. I’ve explored several other online options, but most have turned me down due to the nature of my business.
If anyone has recommendations or insights, I’d really appreciate it!
Edit: I’m based in Utah. Thank you!
Hi there! It sounds like you’re navigating a complex situation with your mobile mechanic business. You’re mostly correct in thinking that both General Liability and Professional Liability insurance serve different purposes and can be important for your operations.
General Liability Insurance typically covers bodily injury, property damage, and personal injury claims. This would be essential for protecting yourself against claims that arise from your physical interactions with clients or any accidental damage that occurs during your work.
Professional Liability Insurance (also known as Errors and Omissions insurance) provides coverage for mistakes or negligence related to the professional services you provide. This can be crucial if a client disputes the work you performed or if something goes wrong that you didn’t anticipate.
Given that your business involves hands-on work with vehicles, it’s usually advisable to have both types of insurance to ensure comprehensive coverage. While it may seem more costly, the peace of mind knowing you’re protected from various potential issues is invaluable.
Regarding your difficulties finding coverage, here are a few tips:
Specialized Insurance Agents: Reach out to agents who specialize in commercial auto or mechanic insurance—they may have access to coverage tailored specifically for mobile mechanics.
Local Insurers: Sometimes, regional insurance companies have more flexible policies. Look for providers based in Utah or surrounding areas that might be more familiar with your type of business.
Trade Associations: Joining an automotive repair trade association could provide additional resources and even insurance options that are exclusive to members.
Online Marketplaces: Websites like Insureon or CoverWallet allow you to compare multiple quotes from different providers, making it easier to find a company that understands your unique needs.
Network: Consider reaching out to other mobile mechanics or local businesses in your area for recommendations on their insurance providers.
I hope this helps clarify things! Best of luck with your new venture!