Core coverages in this program
- •Garage Liability (mobile operations)
- •Garage Keepers for vehicles in your care
- •Commercial Auto
- •Tools & Equipment (inland marine)
- •Workers' Compensation
- •General Liability
Why a personal auto policy will not work
Personal auto policies exclude vehicles used in a business, and that exclusion applies to the van you take to every service call. One at-fault accident on the way to a job can leave the entire claim uninsured. A commercial auto policy on the service vehicle, with the tools scheduled on inland marine rather than assumed under auto physical damage, is the correct structure.
What mobile mechanic insurance costs
Mobile operators usually pay less than fixed shops for premises exposure and more for auto. Ranges below reflect a typical one-van operator without employees.
| Coverage | Typical annual premium |
|---|---|
| General / garage liability $1M/$2M | $900–$2,200 |
| Commercial auto, one service van | $1,800–$4,000 |
| Tools & equipment, $15K–$30K limit | $300–$700 |
| Workers' comp (per employee added) | $2.50–$6.00 per $100 payroll |
Need a COI for a contract?
Send us the contract's insurance requirements and we'll tell you exactly what coverage satisfies them — existing clients get same-day certificates.
Working on customer vehicles away from a shop
The moment you have the keys, the vehicle is in your care. If you road test, move a car, or keep it overnight at your home for parts, you need garage keepers even without a lot. Many mobile mechanics carry a modest limit — $25,000 to $50,000 — which covers a single vehicle claim without pricing in shop-sized lot exposure.
Fleet accounts, apartment complexes, and COIs
The most profitable mobile work — fleets, dealerships, apartment communities, delivery contractors — requires a certificate before your first invoice. Expect requests for $1M/$2M liability, $1M commercial auto, workers' comp, additional insured status, and a waiver of subrogation. KTL issues those certificates the same business day for existing clients so you never lose an account to paperwork.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.