Workshops face a wide range of risks - from employee injuries and tool theft to customer claims, vehicle accidents and product defects. This guide explains the main types of insurance UK workshops typically need and how they work together to protect your business.
Employers’ liability insurance is legally required in the UK if your workshop employs staff. It covers compensation and legal costs if an employee is injured or becomes ill due to their work, including accidents involving tools, machinery or manual handling.
Public liability insurance protects workshops against claims from customers, visitors or members of the public who suffer injury or property damage linked to your business activities or premises.
Tools and machinery are essential to workshop operations and are often high value. Insurance can cover theft, loss and accidental damage at your premises, in vans or while working off-site.
If your workshop uses vans or vehicles to transport tools, parts or customer property, commercial vehicle and transit insurance helps protect against road accidents, theft and damage while on the move.
Workshops that manufacture, assemble, modify or supply products may need product liability insurance. This covers claims arising after a product has left your premises and causes injury or property damage.
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