Understanding Your Tyre Fitting Business Risks

Fixed Location Tyre Fitting Risks

• Workshop accidents involving lifting equipment and heavy machinery
• Customer vehicle damage during fitting or storage
• Slip and fall incidents in workshop areas
• Fire risks from tyre storage and workshop operations
• Theft of valuable tyre stock and equipment
• Business interruption from equipment breakdown or property damage

Mobile Tyre Fitting Risks

• Road traffic accidents while traveling to customers
• Public liability at customer locations
• Tools and equipment theft from vehicles
• Weather-related delays affecting service delivery
• Customer property damage at their premises
• Personal injury while working in various locations

Essential Insurance Coverage for Fixed Location Tyre Fitting

Commercial Property Insurance

Your workshop, office space, and tyre storage areas need comprehensive protection against:

• Fire, flood, and storm damage
• Theft and vandalism
• Accidental damage to building structure
• Loss of tyre stock and inventory

Equipment and Machinery Cover

Specialized tyre fitting equipment requires dedicated protection:

• Tyre changing machines and wheel balancers
• Vehicle lifts and jacks
• Air compressors and pneumatic tools
• Diagnostic equipment and computers
• Replacement cost coverage for modern equipment

Public Liability Insurance

Essential protection when customers visit your premises:

• Customer injuries in your workshop
• Damage to customer vehicles during service
• Third-party property damage claims
• Legal defense costs and compensation payments

Mobile Tyre Fitting Insurance Essentials

Commercial Vehicle Insurance

Your mobile operation depends on reliable vehicle coverage:

• Comprehensive vehicle protection
• Goods in transit cover for tyres and equipment
• Business use classification
• Breakdown and recovery assistance

Mobile Equipment Protection

Specialized cover for your mobile workshop:

• Portable tyre changing equipment
• Mobile wheel balancing machines
• Tool theft from vehicles
• Equipment damage during transport

Location-Flexible Public Liability

Coverage that works wherever you operate:

• Customer premises liability
• Roadside service protection
• Car park and forecourt coverage
• Third-party property damage at any location

Professional Indemnity for Tyre Fitting Services

Both mobile and fixed location businesses need protection against:

• Incorrect tyre fitting leading to vehicle damage
• Poor advice on tyre selection or maintenance
• Failure to identify vehicle safety issues
• Negligent service causing customer losses

Professional indemnity insurance covers legal costs and compensation when customers claim your service or advice caused them financial loss.

Business Interruption Insurance

For Fixed Locations

• Loss of income during workshop repairs
• Alternative premises costs
• Increased working expenses
• Customer compensation for delayed services

For Mobile Operations

• Vehicle breakdown affecting service delivery
• Equipment failure preventing operations
• Alternative transport and equipment costs
• Lost revenue from cancelled appointments

Employers' Liability Insurance

If you employ staff, whether in your workshop or as mobile technicians, employers' liability insurance is legally required and covers:

• Employee injury claims
• Occupational illness compensation
• Legal defense costs
• Health and safety prosecution defense

Cyber Insurance for Modern Tyre Businesses

Today's tyre fitting businesses rely heavily on technology:

• Customer booking systems and databases
• Payment processing systems
• Vehicle diagnostic equipment
• Social media and online presence

Cyber insurance protects against data breaches, system failures, and cyber attacks that could disrupt your operations.

Choosing the Right Coverage Level

Factors to Consider

• Business size and turnover
• Number of employees
• Value of equipment and stock
• Types of vehicles serviced
• Geographic coverage area
• Customer base (private vs commercial)

Coverage Limits Guidance

• Public liability: Minimum £2 million, often £6 million for commercial clients
• Professional indemnity: £1-5 million depending on business size
• Equipment cover: Full replacement value including modern equivalents
• Business interruption: 12-24 months of gross profit

Risk Management Best Practices

Workshop Safety

• Regular equipment maintenance and safety checks
• Proper staff training on lifting and handling procedures
• Clear customer safety protocols
• Adequate lighting and workspace organization

Mobile Service Safety

• Comprehensive driver training and vehicle maintenance
• Proper equipment securing during transport
• Risk assessment for each customer location
• Emergency contact procedures and breakdown support

Why Choose Insure24 for Your Tyre Fitting Business

At Insure24, we understand the unique challenges facing both traditional and mobile tyre fitting businesses. Our commercial insurance specialists work with leading insurers to provide:

• Tailored coverage for your specific business model
• Competitive premiums through our extensive insurer panel
• Expert claims support when you need it most
• Risk management advice to help prevent losses
• Flexible payment options to suit your cash flow

Whether you're operating from a fixed workshop, running a mobile service, or combining both approaches, we'll ensure your tyre fitting business has the comprehensive protection it needs to thrive.

Get Your Tyre Fitting Business Insurance Quote Today

Don't let inadequate insurance put your tyre fitting business at risk. Contact Insure24 today for a comprehensive quote tailored to your specific needs.

Call us on 0330 127 2333 or visit our website to get started with your quote.

Our experienced team will assess your unique requirements and provide competitive coverage options that protect your business, your employees, and your customers.