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Liability and Business Insurance for Mechanics

Whether you are a mobile mechanic, diesel mechanic or an auto repair business that services a range of car models and makes, Marsh can help arrange insurance for your business that meets the unique risks faced by the motor trades industry.

Business Pack Insurance arranged by Marsh can help cover Mechanics for:

Public Liabilty

Professional Indemnity (Error & Omission)

Electronic Equipment Breakdown

Business Interruption




General Property

Customer Motor Vehicle

What is Public Liability Insurance and why is it important for Mechanics?

From diagnosing and repairing engine faults to completing logbook services, a mechanics day-to-day operations can be extensive and ever changing. Performing a vast number of activities such as these can expose even the most experienced mechanic to accidents. That’s why it’s so important for auto mechanics and repair shops to regularly review their business risk exposures and ensure they have appropriate insurance cover to help mitigate these risks.

Public liability insurance can help cover mechanics for third party injuries and property damage claims.

If you accidentally injure a third party, or damage their property (including cars), you may be liable to compensate them for any damage, costs and legal expenses incurred. Even if you are not at fault, you still may incur significant legal costs in defending your business against the allegation.

Additionally, if you are renting a garage or other premises, the property owner, as an interested party, may ask you to produce a copy of your public liability certificate of currency before approving your lease of the premise.



Don’t leave insurance in the backseat, take charge with Marsh

Trusted by 800+ businesses in the industry

We are proud to be the preferred insurance broker for over 800 Australian motor trade and tyre retailer businesses.

Ongoing advocacy and support

In addition to obtaining quotations and placing your motor trade insurance policy, we also help manage, negotiate and settle claims with insurers on your behalf.

20+ years of experience insuring the industry

Our dedicated team have been supporting clients in the motor trade industry for over 20 years.



Additional Insurance Solutions

Cyber Insurance

Does your business store customer data or sensitive business information on your server or with a third party service provider? Cyber insurance can help minimise the financial impact and risk of cyber-attacks.

Learn more about cyber insurance


Management Liability Insurance

Business directors and officers can be held personally liable for certain breaches made by their company. Management liability insurance can help cover and reduce the risk of these financial exposures.

Learn more about management liability insurance


Frequently asked questions

I’ve got a policy with Marsh, how often should I be reviewing it?

The answer to this question is largely dependent on how frequently changes occur to your business. Whether it’s business growth, a change in the complexity of work, or expanding out your services, there are several changes that should trigger an insurance review. As a rule of thumb, we recommend reviewing your policy every year to ensure your business is covered appropriately for its risk exposures.

If you are aware of any changes to your service that should be captured by your policy, please contact the motor trades team at Marsh so we can help you update your insurance cover. Some changes are required to be notified to the insurer in accordance with your duty of disclosure. 

Does Marsh offer monthly payment options for Mechanics Insurance?

Yes, we can organise funding for your premium payable in monthly instalments* provided your business meets certain criteria.

To request monthly payments please call us on 1300 307 563 or click here to fill out our contact form.

*Interest and additional fees will apply.

Additional Industries we service

The Victorian Automobile Chamber of Commerce (ABN 63 009 478 209) receives a financial benefit when an insurance policy is arranged by Marsh for VACC members. 

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.