My Account
We arrange workshop insurance with leading UK insurers
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?
+-How often should workshop insurance be reviewed?
+-Does every workshop need business interruption insurance?
+-Can Insure24 help review my existing policy?
+-Can this checklist be used when buying a workshop?
Related Workshop Checklist Guides
Checklist pages work best when they point users into the right cover, pricing and risk pages. These links connect the planning page with the core workshop decisions behind a renewal or new quote.
Planning Essentials
Core Protection
Workshop insurance review points
Workshop policies need to match the practical work carried out on site, the machinery used, the value of tools and customer goods, and the interruption risk if a key machine or premises area is damaged.
For checklist enquiries, the strongest quote presentation usually combines the immediate cover request with wider risk information, contract obligations and evidence of controls.
Operational exposure
- Hot works, cutting, fabrication, repair, servicing, woodworking or metalwork activity
- Customer vehicles or goods in trust, specialist machinery and portable tools
- Extraction, dust, flammables, waste, electrical load and maintenance routines
Cover areas to compare
- Public liability, employers' liability, product liability and defective workmanship considerations
- Buildings, contents, tools, machinery breakdown and business interruption
- Theft, fire, flood, customer injury, temporary closure and cyber where systems are important
Evidence that helps
- Machinery schedule, tool values, turnover split and staff or subcontractor details
- Fire-risk assessment, maintenance logs, extraction checks and security protections
- Contract terms, customer-goods controls and prior claims or near-miss history