Mechanics Public Liability Insurance

Lost your client keys? Your Public Liability Policy may cover you

If your business involves you having keys to clients premises, your at risk of a third party property claim in the event that you lose those keys.

Imagine the horror of not be able to find the keys, what if they were stolen and the thieves use it to strip out your clients property, are you liable?


Am I covered?

What if your clients keys are used by you and 100 other people, will you be liable for the replacement cost of all the keys?

What if they are stolen from you car, will your businesses public liability policy cover the resulting loss?

According to Stephen Sloan an insurance broker with Insure 247, you may be able to calm your nerves in the event of lost or stolen clients keys  .

"A public liability insurance policy is in place to cover loss or damage to a third parties property or personal injury. So if due to your negligence the keys are lost, the resulting consequential loss would be covered."

"However in the case they are stolen from your car, your car policies public liability may offer you cover"

It is important to compare public liability insurance policies

"It is important to compare public liability insurance policies as some may have limits on property in physical and legal control that will impact your claim

Before making your claim here are details to prepare for your broker or insurer

  • Details of the loss
  • Your policy number
  • A letter of claim from the third party
  • A quote for the repair of the damage to the third party

If you are still unsure about public liability insurance speak to a broker call 1300 046 787 13000 Insure



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Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation and needs. Please read the Product Disclosure Statement and contact us if you require any clarification.

See Also



Is Public Liability Insurance Compulsory in Australia?

Sole Trader To A Company Does my Policy Cover Me?

What Should You Disclose When Applying For Public liability insurance