Mobile detailing · Insurance
Mobile detailing insurance: what the providers actually publish
Only 2 of the 4 providers in this site's registry list detailing at all, checked on September 6, 2026. One of the two publishes general liability from $17.92 a month, the lowest published figure on this site, and sells equipment cover as a separate line.
This page is a reading of what each provider publishes about detailing, on the dates shown. Two of the four do not list the trade, and their absence is a finding rather than an omission: the work happens on someone else’s vehicle, which is the exposure most online policies handle worst.
The facts, provider by provider
What each published page says, in its own words. Every cell carries its source and the date it was read.
| Provider | Its page lists | Sold separately | Published price |
|---|---|---|---|
ThimbleGet an insurance policy by the hour, day, month or year in seconds. | general liability arranged by the hour, day, month or yearthimble.com · read 2026-09-06 | Its page names no separate exclusions.thimble.com · read 2026-09-06 | [TO VERIFY] its page publishes no price for this trade, so there is none to quote. |
Simply BusinessAlso known as inland marine insurance, this coverage can financially protect equipment and inventory that's in transport or stored offsite. | general liability for third party accidents, property damage and bodily injury; coverage limits of $1M to $2Msimplybusiness.com · read 2026-09-06 | contractor's equipment and small tools, sold separately as inland marinesimplybusiness.com · read 2026-09-06 | General liability $17.92/monthWorkers' compensation $38.91/monthContractor's equipment and small tools $20.83/monthsimplybusiness.com · read 2026-09-06 |
The gap list
What the online policy does not do
Half the market does not list the trade
Two of the four providers this site tracks publish no detailing page at all. One of them confirms it in its own sitemap. That is worth knowing before you spend an afternoon looking.
The customer's vehicle is the exposure and it has its own name
The property most at risk on a detailing job belongs to the customer and is in your hands when the damage happens. Liability treats that differently, and the category that reaches it is not general liability.
Your own equipment is a separate line
The provider that publishes prices lists contractor's equipment and small tools as its own product, at its own monthly figure.
Every line here comes from the providers' own pages or from the standard forms, with the date each was read.
The starter checklist, by trade and state
Every licensing, tax and renewal line for your trade, with the official source and the date it was read on each one. Contractor licensing verified in CA, NV, AZ, FL and TX, across the 7 trades of this site. Not 50 states: the ones we have not read are absent rather than estimated.
See what the checklist coversCommon questions
Why do only two providers show up?
The other two publish no page for the trade. One of them lists every class it covers in its own sitemap and detailing is not among them, which is stronger evidence than a missing search result.
What does detailing insurance cost?
One provider publishes its starting figures: general liability from $17.92 a month, workers' compensation from $38.91, and equipment cover from $20.83. Those are its own published numbers, read on September 6, 2026, and your quote is theirs and not ours.
Is the customer's car covered while I am working on it?
Neither page answers that directly. The distinction has its own name in the standard forms, care, custody or control, and how it works is explained on this site's page about customer property.
Do I need a licence to detail cars?
Detailing is not a licensed trade anywhere in the United States that this site has checked. What applies instead comes from three other places, and the one that catches mobile operators is about where the wash water goes.
How this page is sourced
Each row is a reading of the provider's own product page for mobile detailing, quoted verbatim and dated. Providers whose pages could not be read are listed with the attempt date rather than left out, because leaving them out would make the comparison look more complete than it is.
Related on this site: why detailing is not a licensed trade and what applies instead is on detailing licences. How liability treats a customer\u2019s property once it is in your hands is on customer property. Sourcing standard on methodology.