Mistakes happen. But when it involves vehicles, mistakes can be costly! Consider these real-life scenarios:
- A mechanic is working on a vehicle’s computer system, but forgets to disconnect the battery. The computer shorts out, which requires total replacement of the computer system.
- A body shop technician is working on a vehicle and accidentally sands through the panel. The panel can no longer be repaired and needs to be replaced.
- A mechanic is working on the electric motor for a power window and does not adjust the window properly, breaking the glass.
- A technician is adjusting the convertible top on an expensive sports car. In the process, the fabric top is damaged and needs to be replaced.
If a business does not have Mechanics’ Errors and Omissions (E&O) coverage from Society Insurance, they will likely be left to pay for these damages out of pocket. This is a small detail that protects auto service professionals from costly mistakes. Watch this video.
On most basic garage policies, only the resulting damage from an error or omission is covered — not the actual product being worked on. For a small premium, Mechanics’ E&O eliminates the Work You Performed exclusion and makes a big difference in the event of a costly mistake.