Mechanics are to cars what doctors are to people. Without you, we would be left driving around in sickly vehicles that cough, wheeze, and grind at every turn. It’s vital to both the general public, and the success of your business, that you have proper insurance in place. In the event of a loss, you’ll want your policy to respond, and respond quickly!
Connect with our specialized advisors and find out how insurance can play a role in protecting you financially.
Products & Coverages
As a mechanic it’s normal to be driving and operating client vehicles on the regular. While client vehicles are in your care, you will be held responsible for any physical damage to the vehicle or liability claims caused. Without this coverage you could find yourself having to pay out pocket.
Commercial Auto Liability
When you’re vehicles are driving all over town the risk of causing damage to property, or causing bodily injury to others is increased. Although in Saskatchewan your plates cover you for a minimum amount of liability, having a commercial auto policy with increased third party liability limits will ensure that your business is financially protected.
Tools & Equipment
You rely on your business equipment daily to get your work done. The loss of these tools or equipment could significantly impact the level of service you provide your clients.
Whether you have one work truck or a whole fleet of vehicles, you’ll need to keep these assets insured so that you aren’t left without a ride.
General Commercial Liability
Accidents happen, and if one results in a lawsuit, the financial settlement could be hard for your business to absorb. Damage to a third party’s belongings, or causing injury to a third party isn’t something anyone plans for when they come to work in the morning, but accidents happen. That’s why having a general commercial liability policy is essential to financially protecting your business.
If your business stores sensitive client information, bank records, or any other vital information on its computer systems, then this coverage is essential. As a business owner, it’s important to be realistic about the risk cybercrime poses. To protect yourself fully, you’ll want to talk to one of our advisors who can help assess your situation and make appropriate coverage recommendations.
When most people think of insurance, they think about physical assets like their buildings and equipment. If a substantial loss occurs, like a fire burning down your building, it’s great that you have property insurance, but all that policy is going to cover is the cost to rebuild your building. What about all the income you’re losing because your business is now closed? Business interruption insurance is an absolute must when it comes to protecting your business from a significant financial loss.
Equipment Break Down
The loss of a vital piece of equipment could undoubtedly impact your ability to operate your business. This coverage was designed to protect your equipment from losses that are typically excluded under a general equipment policy. Insured items could be anything from your most complicated piece of equipment, to your phones (the life lines of your day-to-day business operations).
Connect with our team of experienced advisors so we can help analyze your risks and match you with the best protection options for your unique needs.
Most business owners agree, their employees are the lifeblood of their business, which makes the attraction, retention, and most of all the well-being of your employees a top priority. Employee group benefits are an effective way of making sure the hardworking talent you attracted not only continues to work, but continues to work for you!
Already have a plan in place? It may just be time for a review. Let our experienced team help make sure your plan is competitive and running smoothly.
Book your free review today.