Auto Detailing and Car Wash Business Insurance

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Why do car washes and auto detailing businesses need insurance?

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.

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Choose the best rate and coverage

Insureon helps auto detailers and car wash businesses 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 insurance policies cover the risks of detailing and washing vehicles.

General liability insurance icon

General liability insurance

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.

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

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.

  • Customer injuries
  • Damage to a customer’s car
  • Business interruption coverage
Commercial auto insurance icon

Commercial auto insurance

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.

  • Physical damage and collision coverage
  • Medical bills from an auto accident
  • Vandalism and theft
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

  • Employee bodily injuries
  • Disability benefits
  • Lawsuits from employee injuries
Cyber insurance icon

Cyber 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

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.

  • Multi-vehicle auto accidents
  • Customer injury lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

How much does cash wash and auto detailing insurance cost?

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An auto detailer who works independently can expect to pay less for insurance than a larger business.

Factors that affect premiums include:

  • Type of business, such as mobile auto detailing services
  • Business property and equipment
  • Business income
  • Coverages purchased, such as garage keepers liability insurance
  • Policy limits and deductibles
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How do I get auto detailer and car wash business insurance?

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

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.

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