Auto Detailing and Car Wash Business Insurance

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Save money by comparing insurance quotes for car washes and detailers

Whether you run a car wash or specialize in detailing, damage to a customer’s vehicle is always a possibility. Detailing or car wash insurance protects against lawsuits over scratched paint and other risks.

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Choose the best rate and coverage

Insureon helps auto detailers and car washes compare insurance quotes from top U.S. carriers online. Fill out one application to receive multiple quotes.

What types of insurance do auto detailers and car washes need?

These policies provide coverage for the most common vehicle cleaning risks.

General liability insurance

General liability covers basic auto detailing and car wash risks, such as damage to a customer’s vehicle. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR

Slip-and-fall accidents
Accidental vehicle damage
Libel or slander lawsuits

Workers’ compensation insurance

Workers’ comp is required in almost every state for car washes with employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Business owner’s policy

A BOP bundles property insurance with general liability insurance. It's often one of the most cost-effective types of commercial insurance for auto detailers and car washes.

BEST FOR

Customer injuries
Damage to customer vehicles
Damage to business property

Commercial auto insurance

This policy covers expenses from accidents involving a business vehicle. It also covers vehicle damage, such as damage to a mobile detailer’s truck or a mobile car wash van.

BEST FOR

Physical damage and collision coverage
Injuries caused to another person
Vandalism and theft

Looking for different coverage? See more policies.

Why do auto detailers and car washes need insurance?

Constant work on other people’s cars means accidental damage is bound to happen. Water at a car wash might leak through a sunroof, or a detailer could damage a dashboard while cleaning it. Auto detailing and car wash insurance policies protect against auto damage, injuries, and other risks.

How much does insurance cost for auto services and dealers?

Female mechanic holding clipboard considering auto costs.

Several factors will have an impact on insurance costs, including:

Auto services offered
Business equipment and property
Revenue
Location
Number of employees

View Costs

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