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 icon

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.

  • Slip-and-fall accidents
  • Accidental vehicle damage
  • Libel or slander lawsuits
Business owner’s policy icon

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.

  • Customer injuries
  • Damage to customer vehicles
  • Damage to business property
Commercial auto insurance icon

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.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

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.

  • Customer notification expenses
  • Fraud monitoring services
  • Data breach investigations
Umbrella / excess liability insurance icon

Commercial umbrella insurance

This 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.

  • Multi-vehicle auto accidents
  • Customer injury lawsuits
  • Employee injury lawsuits
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?

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

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