Business Insurance for Mobile Mechanics

Covers third-party bodily injury and property damage from mobile mechanic operations — a client's driveway damaged by fluid spills or jack placement, a bystander injured during roadside repair, or property damage to structures during mobile service. GL is the baseline coverage requirement for any mobile repair operation.

Covers damage to vehicles in your care, custody, and control during service. Standard GL policies typically exclude property damage to items you're working on (known as the 'care, custody, and control' exclusion). Garage keepers liability fills this gap — covering a client's vehicle if it's damaged during repair, including test drives, fluid incidents, and accidental damage during work.

Covers your service truck or van used to travel between mobile service calls. Your service vehicle carries expensive tools and equipment and serves as your mobile shop — it needs commercial auto for liability in at-fault accidents and physical damage coverage. Personal auto policies exclude business-use vehicles.

Covers your diagnostic equipment, specialty tools, and tool sets against theft, damage, and loss. A professional mobile mechanic's tool collection can represent $15,000–$50,000 in value — tools stolen from a service vehicle or damaged at a job site without inland marine coverage means out-of-pocket replacement.

Required in most states for any employees. Mobile mechanics work in physically demanding conditions — under vehicles on uneven surfaces, in roadside environments, and handling heavy components. Back injuries, crush injuries, and burns are the leading workers comp claims in mobile mechanic operations.