Workshop Insurance

Tailored workshop insurance policies for trade contents, stock and equipment, liability, and buildings cover. Talk to our specialist advisers for flexible workshop insurance to suit your business' requirements

0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5.00pm

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About Workshop Insurance

Trade

Cover for workshop tools

Insurance for tools and equipment, hand tools, machinery, fixed plant and hired-in plant

Building

Cover for a range of workshop types

We can offer cover tailored for your premises.

Group

Professional workshop cover claim assistance

Expert advice to help you with claims you face

Direct Debit

Pay for your workshop insurance by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit.

Features of Workshop Insurance

Standard cover

Cover for your workshop machinery, tools and buildings

Our workshop insurance can protect a range of tools and equipment, as well as stock and work in progress, against loss or damage from theft, fire, storm, flood, water damage and malicious). Cover will be tailored to meet your specific business needs. If you own your workshop building, then this can also be covered under the same policy.

Public liability cover for your workshop

Our workshop public liability insurance offers flexible levels of cover to meet the risks you may face from third-party injury claims arising from accidents on your premises where you are at fault. We can also include product liability insurance to protect you for claims for accidental personal injury or damage to third parties arising from the goods you have manufactured, repaired or supplied.

Workshop insurance including business interruption cover

How reliant are you on your workshop? If it is destroyed by a serious fire, what costs and business expenses will you still have to pay for even though you are unable to trade? We can include business interruption cover in your workshop insurance that will protect your continuing overheads at a time when you are suffering a loss of income.

Employers' liability insurance to protect your workshop's staff

This is a legal requirement for any business that employs staff, employers' liability cover can be included in our workshop insurance. Our policy protects you against accidental personal injury claims from your staff from accidents in your workshop alleged to be caused through your negligence.

Workshop Insurance FAQs

Question

Are tools insured when in transit under your workshop insurance?

Answer

This is not a standard cover as not everyone needs this. We can cover your tools and equipment should it be stolen when your tools are in transit to and from your workshop. Please ensure you inform us so that we can understand your needs ensuring this cover away from your premises is included.

Question

Does your workshop insurance cover me for goods-in-transit cover?

Answer

It is not always a standard feature, so please ensure you explain the cover you need for your stock in your business vehicles, between your premises and suppliers or customers, as well as delivery to your customers.

Question

Am I covered financially if I cannot use my workshop due to an incident?

Answer

Our workshop insurance can include business interruption cover to recompense loss of gross profit if you have to close your premises to fix the problems caused by a break in, escape of water, a fire or storm. Check your policy for details of the perils covered.

Question

Is there a minimum amount of workshop insurance cover that I need to buy?

Answer

This all depends upon what level of cover you need. Our advisers can recommend tailored policies to suit your workshop's size and requirements, meaning you only have to pay for what you need to cover.

Question

If my workshop is rented, do I require buildings insurance?

Answer

No, you would not normally require building insurance as this is the responsibility of the owner. However, it always pays to check your insurance responsibilities as set out in your lease/rental agreement. If in doubt, talk to one of our specialist advisers.

Question

Where can I find more information about monthly Direct Debit?

Answer

Where can I find more information about monthly Direct Debit? If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0344 892 1384 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim