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What Is Motor Trade Liability Insurance?

Motor Trade Liability Insurance covers you if someone suffers injury or property damage because of your business activities. This could include a customer slipping on your premises, a damaged vehicle during service, or faulty parts causing issues after fitting. It’s suitable for all motor trade occupations and can be taken as a standalone policy or alongside your motor trade road risk insurance.

Running a motor trade business—whether from a garage, your home, or on the road—means more than just looking after vehicles. There’s always the potential for injury, damage, or disputes involving customers, suppliers, or employees. Our Motor Trade Liability Insurance is designed to protect your business from third-party claims, legal costs, and compensation payouts. Whether you’re a mechanic, vehicle trader, valeter, or recovery operator, this cover is an essential part of your business protection.

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Who Needs It?

This cover is suitable for all types of motor trade professionals, including:

  • Mechanics and mobile repairers
  • Vehicle sales (home-based or premises-based)
  • Bodyshops and painters
  • Valeting and detailing services
  • Breakdown and recovery operators
  • Tyre fitters, tuners, and diagnostics engineers
  • MOT stations and import/export traders

Whether you're working full-time, part-time, or just starting out, liability insurance protects your reputation and your livelihood.

Cover Options Available

We offer tailored packages that include one or more of the following, depending on your needs:

Public Liability Insurance

Covers injury or property damage claims made by members of the public or your customers. Common scenarios include:

  • A customer injured while on your premises
  • Damage caused to a customer’s vehicle or nearby property during your work
  • Spills or accidents during mobile work at a customer site

Products Liability Insurance

Protects you if a part you’ve fitted, supplied, or modified causes injury or damage. Essential for repairers, modifiers, and anyone working on safety-critical components.

Employers’ Liability Insurance (Legal Requirement)

If you employ any staff—even part-time, temporary, apprentices, or unpaid helpers you are legally required to have Employers’ Liability cover under UK law. This protects you if an employee is injured or becomes ill as a result of working for you. Examples include:

  • Injuries caused by tools, ramps, or lifting equipment
  • Illnesses from paint fumes or long-term exposure to chemicals
  • Manual handling or repetitive strain injuries

Employers’ Liability policies typically include at least £10 million of cover, as required by law.

Why Is Liability Insurance Essential?

  • Avoids large personal or business costs for injury or damage claims
  • Protects your business against legal fees and compensation payouts
  • Often required for:
    • Garage rental agreements
    • Trade contracts
    • Compliance with employment law
  • Demonstrates professionalism and reliability to your clients and partners
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Why Choose Us?

  • Specialist knowledge of motor trade risks and occupations
  • Cover available for mobile and premises-based businesses
  • Flexible limits and policy add-ons to suit your budget and risk level
  • Combine with road risk, tools, or stock cover for full protection
  • Fast, confidential quotes with UK-based support

Complete Confidence for Your Business

Our Motor Trade Liability Insurance is designed to give you peace of mind—so you can focus on running your business without worrying about unexpected claims. Whether you're working solo or managing a growing team, we’ll find a policy that fits.

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We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

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Simply fill in the form today and a member of our team will be in touch.

Testimonials

What Our Clients Say

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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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