Insurables — Australian business risk, sourced and dated

Mobile mechanics: insurance and scheme requirements

Vehicle servicing performed at the customer’s home or workplace.

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Tracked, not yet verified

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Cover commonly held

Ordered by how central each cover is to this occupation. This is what businesses in the trade commonly hold and what contracts commonly ask for — it is not a statement that any of it is legally required, and it is not a recommendation.

  • Public liability insurance — Cover for legal liability to third parties for personal injury or property damage arising from business activities.
  • Workers compensation insurance — Statutory cover for injury to workers, arranged through each state or territory scheme rather than on the open market.
  • Commercial motor insurance — Cover for vehicles used for business, including utilities, vans and trucks, and liability for damage they cause.
  • Business pack insurance — A packaged policy combining property, liability and interruption sections for small business.
  • Tools of trade insurance — Cover for hand and power tools against theft and damage, commonly the most-claimed class for trades.
  • Products liability insurance — Cover for legal liability arising from goods a business sells, supplies or installs, usually written alongside public liability.
  • Plant and equipment insurance — Cover for mobile plant, machinery and equipment against damage and theft, on site and in transit.
  • Machinery breakdown insurance — Cover for sudden mechanical or electrical breakdown of plant, refrigeration and fixed machinery.

Statutory schemes that can apply

Checking what you hold

The document a principal, a landlord or a licensing team will ask for is a certificate of currency. The checker reads one and lists what it does and does not show.

Sources