Workshop Insurance Checklist

A practical checklist to help workshop owners review, assess and arrange the right insurance cover

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  • NIG

Why Use a Workshop Insurance Checklist?

Many workshop owners are underinsured without realising it. As your business grows, new risks emerge - additional staff, higher-value tools, more customer property on site, or changes to your premises.

This workshop insurance checklist helps you review what cover you have, identify gaps, and ensure your insurance keeps pace with your operations.

Workshop Insurance Checklist


  • Public Liability – are customers and visitors covered?
  • Employers’ Liability – do you employ staff or apprentices?
  • Buildings Insurance – do you own or lease the premises?
  • Contents, Tools & Equipment – are values up to date?
  • Customers’ Property – are items in your care insured?
  • Theft & Vandalism – are security conditions adequate?
  • Fire, Flood & Premises Risks – is rebuild value accurate?
  • Business Interruption – could you survive a shutdown?

Common Workshop Insurance Mistakes


  • Underestimating the value of tools and equipment
  • Forgetting to update cover after business growth
  • Assuming landlords insure everything
  • No cover for customer items on site
  • No business interruption protection

When Should Workshops Review Their Insurance?


  • At annual policy renewal
  • When taking on new staff
  • After buying new tools or machinery
  • When moving premises or expanding
  • When repair activities change

FREQUENTLY ASKED QUESTIONS

+-Is this checklist suitable for all types of workshops?

Yes. The checklist applies to automotive, electronics, engineering, repair and trade workshops of all sizes.

+-How often should workshop insurance be reviewed?

At least once a year, and whenever there are changes to staff, premises, tools or activities.

+-Does every workshop need business interruption insurance?

If your workshop relies on ongoing trading income, business interruption cover is strongly recommended.

+-Can Insure24 help review my existing policy?

Yes. Insure24 can review your current workshop insurance and identify gaps or areas for improvement.

+-Can this checklist be used when buying a workshop?

Yes. The checklist is useful when purchasing or taking over an existing workshop business.

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