Mobile & Service Business Auto Insurance in California
For businesses that run out of a vehicle and go to the customer — mobile mechanics, cleaners, locksmiths, detailers, groomers, IT techs, and more across California.
Commercial policies are quoted by a licensed agent — call or text with your vehicles, business type, and driver count for a fast quote. No online form needed.
In short
If your business travels to the customer, your vehicle is the business — and a personal auto policy won't cover it for work. Mobile and service business auto insurance covers the driving, the equipment you carry, and your liability at customer locations. Auto World shops California commercial carriers that understand mobile-service operations and can bundle the tools/equipment coverage your auto policy doesn't include.
What commercial auto insurance covers
Liability on the road and at job sites
Covers injuries and damage you cause driving to and working at customer locations.
Physical damage on your vehicle
Comprehensive and collision so a wreck or theft doesn't shut your mobile business down.
Equipment & tools in the vehicle
Tools and gear are covered by inland marine (a related policy), not the auto policy — we bundle both so a stolen kit isn't a total loss.
Hired & non-owned auto
Covers the business when you or a helper drives a rental or personal vehicle for work.
Certificates of insurance (COIs)
For apartment complexes, property managers, and commercial clients that require proof before you work on site.
Who needs it
Mobile mechanics & detailers
Vehicles loaded with tools and equipment, working in driveways and lots.
Cleaning & janitorial
Crews and supplies traveling between homes, offices, and buildings.
Locksmiths
Service vans with specialized equipment responding across the area.
Pet groomers & mobile pet services
Vans and trailers outfitted for on-site grooming.
Mobile IT / AV / installers
Techs carrying valuable equipment to client sites.
Inspectors, notaries & process servers
High-mileage business driving that a personal policy won't cover.
Get a commercial auto quote today
Tell us what you drive and what you haul — we shop multiple California commercial carriers and get you covered, often same day.
Why Auto World for commercial coverage
Carriers that understand mobile-service operations.
Tools/equipment (inland marine) bundled with the auto policy.
Certificates of insurance for property managers and clients.
Hired & non-owned coverage for helpers.
Same-day proof of insurance, CA broker license #6005606.
Spanish-speaking agents available.
Frequently asked questions
I run my business out of my van — is that commercial use?▾
Are the tools and equipment in my vehicle covered?▾
A property manager needs a certificate before I can work there — can you help?▾
Do I need this if I only do a few jobs a week?▾
What affects the cost for a mobile business?▾
More commercial coverage
Ready to insure your work vehicles?
A licensed California agent will compare commercial carriers and get you a quote. Call or text now — proof of insurance often the same day.