Do I need liability insurance if I'm not running a business?

G

Grant Hunter

New member
Basically I'm a trainee motor mechanic currently at college and looking for an apprenticeship but I already know how to do most jobs on cars already. I would like to advertise my services in the local paper to do simple jobs eg. Brakes, oil and filter change, spark plugs etc. Here's my question - if I do not open a buisness, have a business name or premises do I still require liability insurance? Or if I do is there any legal form which I can get "customers" to sign to say that I am not responsible for any incidents which occur after I have completed the job?
 
You need insurance.

Even if a person says a form saying that the person who signed the form will not hold you resposible, someone else (who is not a customer and did not sign the form) could hold you responsible. For example, if you "fix" a customer's brakes incorrectly, and they do not work properly, which causes the customer to crash into someone else, and that person is not a customer and did not sign the form, then that person could hold you responsible, even if the customer signed the form.
 
What you would be doing is called self employment. I'd recommend getting the insurance. I wouldn't let a mechanic who made me sign a waiver before working on my car even touch my car.
 
What you would be doing is called self employment. I'd recommend getting the insurance. I wouldn't let a mechanic who made me sign a waiver before working on my car even touch my car.
 
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