Working on other people's cars means accidents are bound to happen. A car wash might damage a side mirror, or a customer could slip in a puddle of soapy water. Auto detailing and car wash insurance policies protect against property damage, injuries, theft, and other losses.
These insurance policies cover the risks of detailing and washing vehicles.
A general liability policy covers basic auto detailing and car wash risks, such as damage to a customer’s vehicle. Bundle it with property insurance for savings in a business owner’s policy.
A business owner's policy, or BOP, is a cost-effective way for owners of car washes and auto detailing shops to buy general liability coverage and commercial property insurance together.
A commercial auto policy covers expenses from accidents involving a business vehicle. It also covers vehicle damage, such as damage to a mobile detailing business’s truck or a mobile car wash van.
Workers’ comp is required in almost every state for car washing and car detailing businesses with employees. It also protects sole proprietors from work-related injury costs that health insurance might deny.
This policy helps car washes and detailers recover financially from data breaches and cyberattacks. It's recommended for any business that stores credit cards or other personal information.
An umbrella policy boosts the limits of general liability insurance, commercial auto insurance, and employer's liability insurance to protect against the most expensive kinds of lawsuits.
It's easy to get auto detailing and car wash business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your automotive business, whether you work independently or hire employees.