Diesel Fitter & Diesel Mechanic Insurance
Diesel fitters & diesel mechanics face a variety of risks. However, you are in good hands! Coverscope tailors insurance polocies to your needs.
Insurance for your business
Diesel mechanic insurance in Australia is a type of insurance specifically designed for diesel mechanics and diesel fitters.This type of insurance is indispensable for individuals or businesses engaged in repairing and maintaining diesel engines, including working on equipment such as earthmoving machinery, fixed plant, mobile plant, mining, and industrial machinery, utes, trucks and light vehicles. Diesel mechanics and fitters operate within high-risk industries, spanning mining, marine and shipping, and the rail sector.This insurance protects against various risks and liabilities associated with these high risk industries.
Here’s an overview of what it typically covers and how it can help:
Public Liability Insurance
Coverage: Public liability insurance protects against third-party bodily injury or property damage claims that may arise during your work. For example, suppose a client or a third party suffers an injury or their property is damaged while you work on their diesel engine. In that case, this insurance can cover the associated costs.
Product Liability Insurance
Coverage: Product liability insurance can provide coverage if a product you have repaired or installed causes injury or damage. This is particularly important for diesel mechanics who may install or repair parts that could fail and cause harm.
Tools & Equipment Insurance
Coverage: This insurance protects your tools and equipment against theft, loss, or damage. Diesel mechanics rely on specialised tools, and replacing them can be costly. Tools and equipment insurance helps cover the replacement cost, ensuring you can continue your work without significant financial setbacks.
Business Property Insurance
Coverage: Business property insurance covers the physical assets of your business, such as your workshop, office, or storage facilities. It helps protect against losses due to events like fire, theft, or other covered perils.
Business Interuption Insurance
Coverage: In the event of a covered incident that forces your business to cease operations temporarily, business interruption insurance can provide financial assistance. It helps cover ongoing expenses like rent, salaries, and utilities during the downtime. This class of insurance is more relevant to businesses that operate from a fixed premises.
Commercial Vehicle Insurance
Coverage: Commercial vehicle insurance is essential if you use vehicles for your diesel mechanic business. It covers damage to your vehicles and liability protection in case of accidents.
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Need More Cover, We Can Help
Other cover extensions may also be available depending on the industry and equipment worked on, including Driving Risk for damage during testing & delivery, Faulty Workmanship cover extensions, Errors and Omissions for vehicle inspections, Professional Indemnity and increased limits for property & vehicles in your care, custody or control.
Easy Diesel Mechanic Business Insurance Quotes
Having diesel mechanic insurance in Australia protects your business from unexpected events and potential liabilities. It provides financial support and peace of mind, allowing you to focus on your work without worrying about unforeseen risks. Coverscope brokers assist you by reviewing policy terms and conditions to ensure that the coverage meets the specific needs of your diesel mechanic business.
If somebody is wrongfully injured by your actions or your product, public and products liability insurance can cover you for your liability to pay damages to the claimant.
What usually isn’t covered?
Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer.
Public & Products Liability Policies generally won’t include cover for:
Cost of rectifying faulty workmanship
Damage to your own product
Claims by employees
Claims arising out of the use of a registered motor vehicle
Claims related to asbestos
During a routine maintenance job on a client’s articulated truck, a mechanical failure occurred due to an oversight in Jake’s work. The resulting damage was extensive, leading to costly repairs for the client
The client filed a claim against Jake, seeking compensation for the damages and lost revenue caused by the downtime of the equipment.