Auto Repair Insurance
Mechanics’ Errors and Omissions
Mistakes happen. But when it involves vehicles, mistakes can be costly! Consider these real-life scenarios:
- A mechanic is working on a vehicle’s computer system, but forgets to disconnect the battery. The computer shorts out, which requires total replacement of the computer system.
- A body shop technician is working on a vehicle and accidentally sands through the panel. The panel can no longer be repaired and needs to be replaced.
- A mechanic is working on the electric motor for a power window and does not adjust the window properly, breaking the glass.
- A technician is adjusting the convertible top on an expensive sports car. In the process, the fabric top is damaged and needs to be replaced.
If a business does not have Mechanics’ Errors and Omissions (E&O) coverage from Society Insurance, they will likely be left to pay for these damages out of pocket. This is a small detail that protects auto service / auto repair shops from costly mistakes. Watch this video.
On most basic garage policies, only the resulting damage from an error or omission is covered — not the actual product being worked on. For a small premium, Mechanics’ E&O eliminates the Work You Performed exclusion and makes a big difference in the event of a costly mistake.
Contact Smith D&L Insurance to learn more about protecting your auto repair business against E&O claims and comprehensive Auto Service & Garage insurance.
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Serving Independence, Iowa, Waterloo, Iowa, Cedar Rapids, Iowa and the surrounding areas ( Buchanan, Black Hawk, & Linn Counties).
Article courtesy of Society Insurance.
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