Quote Originally Posted by Absinth View Post
Byron, public liability and indemnity is usually trade specific. I am a Builder and my public liability covers anyone who is injured on one of my building sites.... my indemnity insurance covers damage or injury in case of faulty workmanship... IE if a deck I built collapses and injures or kills people.

Mechanics may have a higher risk so higher premiums but they would be covered the same as I am. This would apply to reconditioners, manufacturers etc.....

I would assume Gregs public liability would cover anyone injured while on his property and the indemnity would cover him for damage or injury that occurs should one of the parts he sells fail.
cars are not buildings....very much a load of bullshit when it comes to reco but second hand is sold to suit reco...once past to a mechanic and he puts an earn on it then its his problem...big kettle of fish..