Mechanics take on risks that most other trades don't. Customer vehicles sitting in your care, expensive diagnostic equipment and tools, and the ongoing exposure that comes with every repair you complete. Whether you run a fixed workshop or operate as a mobile mechanic, we build cover around how your business actually works, not a generic off the shelf policy.
Protect your mechanic business with tailored cover for customer vehicles, tools and liability. Serving Brisbane mechanics, mobile and workshop based.
Covers We Arrange For Mechanics
Public Liability
Covers injury to customers or the public, and damage to property, arising from your work. Most commercial arrangements expect a minimum of $10 million or $20 million in cover.
Legal Liability for Customer's Vehicles
Protects you against damage to a customer's vehicle while it's in your care for service or repair, including fire, theft, and repair error.
Commercial Motor Vehicle Insurance
Essential for mobile mechanics, whose van or ute doubles as a mobile workshop. Covers your vehicle against accident, theft, and damage, and can be extended to cover tools carried inside.
Tools & Equipment Insurance
Covers diagnostic scanners, hoists, compressors, and hand tools against theft and damage, both on premises and in transit.
Business Interruption
Covers lost income and ongoing costs if your workshop is damaged and you're unable to trade. Most relevant for workshop based mechanics.
Product and Completed Operations Liability
Liability Covers you if a completed repair causes an accident or injury after the vehicle has left your care.
Why Mechanics Need Specialised Cover
Cover For Customer's Vehicles
A standard business insurance policy isn't built for the specific risks of automotive repair work. Customer vehicles in your care, custody, and control are generally excluded from basic liability cover, and mobile mechanics carry additional exposure through their vehicle and the tools carried inside it. We work with mechanics to close these gaps.
Claims Example 1#
Customer Vehicle Damaged in Care
A mobile mechanic in Ipswich was midway through a transmission service on a customer's vehicle in their driveway when a hydraulic jack failed, causing the car to drop and sustain significant undercarriage and panel damage. Because the vehicle was in the mechanic's care, custody, and control at the time, a standard public liability policy wouldn't have responded. His Legal Liability for Customers' Vehicles cover, arranged under his Motor Trade policy, covered the repair costs, avoiding a dispute with the customer and a potentially damaging blow to his reputation.
Claims Example 2#
Fault Traced Back to Completed Repair
A workshop in Springwood completed a brake service on a customer's vehicle, and three weeks later the customer was involved in an accident when the brakes failed. An investigation traced the fault back to the service, and the customer lodged a claim against the workshop for the cost of their vehicle repairs and a period of lost income while they were without a car. Because the workshop held Product and Completed Operations Liability cover as part of their public liability policy, the claim was covered, including the legal costs involved in resolving the matter. Without this cover, the workshop would have been personally liable for both the customer's damages and their own legal defence.
Why a Mechanic Should Use a Broker
Running a mechanic business is complex enough without deciphering PDS documents. We do that part for you.
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We know the gaps. Cover for vehicles in your care, tools, and completed repairs all come with conditions that are easy to get wrong. We know what to look for.
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We compare, not just quote. Access to multiple insurers means better terms, not just whatever one insurer offers.
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We're in your corner at claim time. No call centres. We manage the claim and push for a fair outcome.
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We grow with your business. As your risk changes, so does your cover.
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No extra cost. Broker remuneration is built into the premium, same as going direct.
Get expert advice, at no extra cost.
Why Mechanics Choose Monarch
Why choose us as your brokerage for your Brisbane Mechanic Operation
Personalised Service
We take the time to understand your business, tailoring insurance solutions to fit your exact needs. We make sure we weigh up your risks and cover the essentials, whether you're mobile, workshop based, or both.
Expert Guidance
Our team brings deep industry knowledge and explains your options in plain language, helping you make confident, informed decisions. So you can focus on what you do best.
Trusted Claims Support
If the unexpected happens, we stand by your side. We’ll guide you through the claims process and advocate on your behalf to get the best outcome.
Local Focus, Real Relationships
As a Brisbane brokerage, we're invested in our community and committed to building lasting relationships, not just policies. Whether you're a mobile mechanic working solo or running a workshop with a growing team, we can arrange cover that fits your specific scale and risk.
As a Brisbane brokerage, we understand what's at stake
We take the time to understand how your business actually operates before recommending cover, so you're not paying for policies that don't apply to you, and not left exposed on the ones that do. As a Brisbane based brokerage, we understand the local risks mechanics face and work with insurers who understand the trade.
Whether you're reviewing your current cover or setting up a new mechanic business, get in touch with our team for a no obligation quote.
