Farmers Insurance Coverage for Mobile Workers

Q: Do I need commercial auto if I use my personal car for work?

If you regularly drive for business beyond commuting, a commercial auto policy—or hired/non-owned auto coverage for occasional business use—may be appropriate.

In today’s on-the-go world, many people earn a living on the move—from field technicians and sales reps to food-truck owners and mobile groomers. Experience: Farmers Insurance offers flexible, customizable protection for mobile workers and mobile businesses so you can stay focused on the job while your risks are covered.

Below, you’ll find the core coverages to consider, smart ways to save, and quick claims tips—plus handy quote tools to price your options.

Discover Tailored Insurance Solutions for On-the-Go Professionals

Mobile work creates unique risks. Farmers can tailor protection around how—and where—you operate:

Commercial Auto & Hired/Non-Owned Auto: Covers vehicles you own for business use, and can extend to vehicles your team rents or uses but doesn’t own.
General Liability: Helps protect against third-party injuries or property damage that occur at client sites or job locations.
Tools & Equipment (Inland Marine): Covers gear in transit or on the job—ideal for contractors, mobile repair, and service pros.
Business Property & BOP: Combine property + liability (and often business interruption) for lean, mobile operations.
Home-Based Business Endorsements: If you store inventory or equipment at home, add coverage for items kept off-premises or in a home workspace. See our guide for mobile homeowners.

Tip: Map your workflow—driving, loading/unloading, on-site work, payments—to make sure each step is covered.

Get Your Auto Insurance Quotes

Get quick and easy auto insurance quotes today!

Home & Home-Based Coverage

Request home insurance quotes to protect belongings and home-based gear.

Insurance for mobile workers and mobile businesses

Smart Ways to Lower Your Premium

Bundle & Save: Combine business and auto policies where eligible. Start with a Farmers Insurance quote.
Compare Rates by ZIP: Prices vary by area—use our tool to compare auto insurance quotes.
Keep a Clean Record: Safe-driver and claims-free histories can unlock additional discounts.
Right-size Deductibles: Adjust deductibles to balance risk and monthly cost.

Fast Claims, Fewer Headaches

Document incidents with photos, secure damaged items, and report right away. Farmers’ digital process helps mobile businesses minimize downtime. For niche scenarios, see how to claim pet damage or review our general guide to home damage claims.

Who Benefits Most?

Field service teams, mobile retailers, food trucks, on-site repair pros, mobile pet groomers, sales reps, and delivery drivers (see benefits for delivery drivers).

Frequently Asked Questions

Below you’ll find quick answers for mobile workers and mobile business owners. Availability and details vary by state and policy—confirm specifics with a Farmers agent.

Do I need commercial auto if I use my personal car for work?

If you regularly drive for business (beyond commuting), a commercial auto policy—or hired/non-owned auto coverage for occasional business use—may be appropriate.

How do I insure tools and equipment I carry in my vehicle?

An inland marine (equipment) policy can cover gear in transit or on job sites. It pairs well with general liability.

Can I cover inventory or equipment stored at home?

Ask about home-based business endorsements to extend coverage to business property at your residence.

What’s the easiest way to save?

Bundle policies, keep a clean driving record, and compare rates by ZIP. Start with a Farmers quote.

Call to Action: Protect your on-the-go livelihood—compare quotes and customize your coverage today.