Most mobile mechanics carry general liability insurance, garagekeepers coverage for customers' vehicles in their care, commercial auto insurance for the work vehicle, and coverage for tools and equipment, plus workers' compensation once they hire. Licensing depends on your state and city: some states require auto repair businesses to register, and most localities require a general business license. Check with your state and city before you take your first paid job.
Insurance most mobile mechanics carry
General liability
Covers injury or property damage you cause to others: say, a customer trips over your jack, or you damage their driveway or garage.
Garagekeepers
Covers damage to a customer's vehicle while it's in your care. Standard general liability often excludes customer vehicles, which is why this matters.
Commercial auto
Personal auto policies often exclude business use. Your van or truck needs commercial coverage.
Tools and equipment (inland marine)
Covers theft or damage to your tools, often your biggest investment, including in the van.
Workers' compensation
Required in most states once you have employees.
Professional or errors-and-omissions coverage
Some policies cover faulty workmanship claims. Ask your agent.
Licensing and registration
Rules differ widely, so check these sources:
- State: some states require auto repair businesses to register. California, for example, requires registration with its Bureau of Automotive Repair. Others have no specific repair license
- City or county: a general business license is common, and some cities have rules about home-based businesses
- Environmental rules: proper handling and recycling of used oil, coolant, batteries and refrigerant
- AC work: handling refrigerant requires EPA Section 609 certification for motor vehicle AC
- Sales tax: many states tax parts sales; register if required
A local small business development center or an accountant can point you to the exact requirements.
Certifications that build trust
Not legally required everywhere, but valued by customers:
- ASE certifications in the areas you work
- Manufacturer or specialty training (diesel, hybrids and EVs)
Why it matters for marketing
Customers ask whether you're insured. Saying yes, clearly, wins jobs. Mention insurance and certifications on your website, your Google Business Profile and your directory listing. Reviews that mention professionalism help too. See how mechanics get more reviews.
Related guides
Frequently asked questions
Do mobile mechanics need a license?
It depends on your state and city. Many require at least a business license; some require repair business registration.
How much does mobile mechanic insurance cost?
It varies with coverage, location, experience and claims history. Get quotes from agents who write policies for auto repair businesses.
Do I need garagekeepers if I never take the car anywhere?
Customer vehicles can still be damaged while you work on them. Many mobile mechanics carry it.
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