Mechanics’ Errors and Omissions

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.

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.

Contact your local Society agent to learn more about protecting your business against E&O claims and comprehensive Auto Service & Garage insurance.


As a mutual insurance company, we operate and exist for the benefit of our policyholders. For more than 100 years, Society has been helping businesses overcome the unexpected with comprehensive coverage packages and outstanding claims handling, underwriting and risk management.

Latest Articles

Top Advice For Graduates Trying to Start a Career

As of 2020, there is an average of over 4 million students who have graduated from colleges in the...


Originally published January 29, 2019, updated January 18, 2023. Many parts of the country are no...

A Guide to Safe Keg Handling

At one time or another, almost everyone who works in the restaurant and bar industry has been...

2022 Year in Review

Society Insurance is committed to providing blog posts to help business owners optimize daily...

What To Do If Someone Falls in Your Business

When we experience a special event in our lives, we try to memorialize every second of it, because...

How to Overcome Imposter Syndrome at Work

What Is Imposter Syndrome? Imposter syndrome is defined as the persistent inability to believe...

How a Restaurant Closing Checklist Benefits Your Business

As a bar or restaurant owner, you know that your night isn’t over when the last customer leaves....

Creative Interview Questions for Finding the Right Candidate

Interview questions usually revolve around a candidate’s work history, experience and unique...


Have you ever caught yourself wondering why your business’ premium changes over time? Odds are you...

Stay up to date with industry updates by subscribing to the Society Insurance blog!