I do mobile and I use the Fantasytan system that is wheeled like luggage. I dont carry any special
insurance except my auto and my regular salon
insurance. I was told by my ins. company there was no need to purchase additional insur. I have an SUV and I am able to load my stuff in pretty easily. I do it in their shower and hang a black sheet over the shower rod and it works fine. I mostly do bridal parties! Good Luck!