Auto Detailing And Mobile Car Wash Insurance Policy Information
Auto Detailing And Mobile Car Wash Insurance. If you're thinking about starting auto detailing business, there's no doubt that you want to set yourself up for success. Of all the things the factors that you need to consider and decisions you need to be made, making sure that you are properly insured should be top on your list of priorities.
Car washes provide facilities for cleaning automobiles and other motor vehicles. Some are drive-through with either partially or fully automated conveyance of the vehicle throughout the operation. Hand washing, waxing, or interior cleaning of the vehicle may be offered, with customers sent to a waiting area.
Damage to the customers' vehicles is the primary exposure as machinery and washes can break antennas, pull off stripping, crack glass and damage tires. Some car washes are totally self-service, with the customer doing the cleaning. A few car washes offer off-premises mobile car washing services that clean customers' vehicles at their home or place of employment.
An auto detailing and mobile car wash insurance policy can provide you with protection if you find yourself on the receiving end of a lawsuit for damaging a customers vehicle or worse.
Auto detailing and mobile car wash insurance protects your business from lawsuits with rates as low as $29/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked auto detailing and mobile car wash insurance questions:
- What Is Auto Detailing And Mobile Car Wash Insurance?
- How Much Does Auto Detailing And Mobile Car Wash Insurance Cost?
- Why Do Auto Detailing & Mobile Car Wash Businesses Need Insurance?
- What Type Of Insurance Do Auto Detailers Need?
- What Does Mobile Car Wash Insurance Cover & Pay For?
What Is Auto Detailing And Mobile Car Wash Insurance?
Auto detailing and mobile car wash insurance is a type of insurance that is specifically designed for businesses that provide auto detailing and mobile car washing services.
This type of insurance typically includes coverage for damage to vehicles and equipment, as well as liability protection for any injuries or accidents that may occur while the business is providing its services.
Other types of coverage that may be included in an auto detailing and mobile car wash insurance policy include protection for loss of income due to business interruption, and coverage for any damage that may occur during transportation of vehicles.
How Much Does Auto Detailing And Mobile Car Wash Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small auto detailing businesses ranges from $29 to $39 per month based on location, size, payroll, sales and experience.
Why Do Auto Detailing & Mobile Car Wash Businesses Need Insurance?
Mobile car wash businesses need insurance for a number of reasons. First and foremost, insurance protects the business from financial loss due to unforeseen events. For example, if a car wash employee is injured on the job, the business may be liable for medical expenses. Without insurance, the business would have to pay these costs out of pocket, which could be devastating for a small business.
Another reason why mobile car wash businesses need insurance is to protect against damage to property. If a car is damaged while being washed, the business may be responsible for covering the cost of repairs. Without insurance, the business would have to pay for these repairs out of pocket, which could put a strain on the business's finances.
Finally, insurance is important for mobile car wash businesses because it can protect against liability claims. If a customer slips and falls on the property, for example, the business could be sued for damages. Insurance can help cover the cost of legal fees and any settlements that may be required.
In summary, mobile car wash businesses need insurance to protect against financial loss, property damage, and liability claims. Without auto detailing and mobile car wash insurance, a business could face significant financial hardship and may not be able to stay in operation.
What Type Of Insurance Do Auto Detailers Need?
There are several types of auto detailing and mobile car wash insurance coverage that should be considered. The specific type of coverage you need depends on the unique details of your company; however, the following policies are essential:
- Garagekeepers - Garagekeepers liability covers a customer's vehicle when you are performing your car wash services on it.
- Commercial General Liability - This type of insurance protects you against third-party property damage and injury claims. If an employee makes a mistake and damages a client's car, the client could file a lawsuit against you. In addition to covering the cost of the damages, a commercial general liability insurance policy will also assist with the cost of any legal defense fees that you may incur.
- Commercial Property - This policy will protect the physical structure of your commercial building, as well as anything within it; it also protects some of the exterior structures. If a fire occurs, a tree falls and damages the roof, or someone vandalizes your property, this policy would help to pay for the repairs.
- Inland Marine - Commercial property insurance doesn't cover tools and equipment that aren't on the premises of your commercial space. For that, you'll need inland marine insurance, which covers tools and equipment that are lost, damaged, or stolen when they are off your property.
- Workers' Compensation - Whether you employ a team of 1 person or 500, you'll need workers' comp insurance in almost every state. If a staff member sustains a work-related injury or illness, this policy will help to pay for any related medical care, as well as lost wages.
These are just a few of the essential types of auto detailing and mobile car wash insurance coverage that are important. You can purchase individual policies, or you could select a comprehensive policy that combines various type of coverage under a single plan.
Mobile Car Wash's Risks & Exposures
Premises liability exposure is from slips and falls due to public access to the premises. If there are customer waiting areas, floor coverings should be in good condition with no frayed or worn spots on carpet and no cracks or holes in flooring. Steps and uneven floor surfaces should be prominently marked. Sufficient exits must be provided and be well marked, with backup lighting systems in case of power failure. Proper attention to housekeeping is required to prevent slips and falls from water, detergents or waxes or from icing during winter months.
Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. All machinery and equipment used in the operation should be well maintained to prevent property damage to customers' vehicles. Car washes done at customers' premises can result in damage to the customer's real or personal property.
Environmental impairment exposures are due to the detergents and waxes used in the car washing operations and the solvents used for cleaning and maintaining equipment. Adequate procedures should be in place to prevent these hazardous wastes from contaminating the soil or polluting water sources. Contracts should be in place to dispose of all environmentally dangerous chemicals.
Workers compensation exposure can be high due to the potential for slips and falls and for employees to be injured by vehicles or automated washing equipment. Proper attention to housekeeping is required due to the water, detergent and waxes used in operations and to prevent icing during winter months. All equipment used in the operation must be properly maintained to prevent vehicles from rolling off conveyances.
Improper lifting can result in back injuries, sprains, strains, and hernias. Exposure to the elements can result in sunburn, heat exhaustion, or heat stroke during the summer and frostbite and hypothermia during the winter. The use of soaps and waxes can cause dermatitis. Due to the large amounts of cash on hand, hold-ups are possible. Employees should be trained to respond in a prescribed manner.
Property exposure comes from the machinery used to wash, wax, and dry vehicles as they are conveyed through the car wash. All electrical wiring must be well maintained and meet current codes. If the car wash is self-service, there is a potential for vandalism. Attendants help cut down on problems. Locations should be on well traveled and patrolled areas that are well lighted.
Equipment breakdown exposure is high as the business is dependent on its machinery for conducting operations. Replacement parts may be difficult to obtain on a timely basis.
Crime exposures are from employee dishonesty and theft of money and securities. Employee dishonesty is controlled through background checks, inventory monitoring, control of the cash register, disciplined controls and division of duties. Theft of money and securities prevention requires controls of monies kept in the cash drawers and bank drops made throughout the day to prevent a buildup of cash on the premises.
Self-serve car washes may include coin- or currency-operated vending operations. These should have automated coin counters. An attendant should be on duty at all times to prevent vandalism and break-ins.
Inland marine exposures come from computers due to automated machinery used in car wash operations, signs, and valuable papers and records for customers' and vendors. There may be accounts receivable if the car wash offers credit to business customers and goods in transit if there are multiple locations.
Commercial auto exposure is generally limited to hired and non-owned for employees running errands. If there are owned vehicles, any regular driver should have a valid license and an acceptable MVR on record. All owned vehicles must be maintained with documentation kept.
What Does Mobile Car Wash Insurance Cover & Pay For?
Mobile car washers and auto detailing businesses can be sued for a variety of reasons, including:
- Damage to the customer's vehicle: If a customer's car is damaged during the cleaning or detailing process, the business may be held liable for the cost of repairs.
- Personal injury: If a customer or third party is injured on the business's property or as a result of the business's activities, the business may be sued for medical expenses, lost wages, and other damages.
- Property damage: If the business's activities cause damage to someone else's property, the business may be held liable for the cost of repairs or replacement.
- Breach of contract: If the business fails to fulfill its contractual obligations, such as delivering services within a certain timeframe or using certain products, the customer may sue for damages.
In order to protect themselves from lawsuits, mobile car washers and auto detailing businesses can obtain various types of insurance coverage, including:
General Liability Insurance: This type of insurance can provide coverage for bodily injury, property damage, and personal injury claims that arise from the business's operations. For example, if a customer's car is damaged during a wash and the business is found liable, general liability insurance can help pay for the cost of repairs.
Commercial Auto Insurance: This type of insurance can provide coverage for accidents involving the business's vehicles, such as collisions or damage caused by theft or vandalism.
Professional Liability Insurance: Also known as Errors and Omissions Insurance, this coverage can protect the business from claims of negligence, errors or omissions during the services provided, and related costs.
Workers' Compensation Insurance: This type of insurance can provide coverage for employees who are injured on the job, including medical expenses and lost wages.
For example, if a mobile car washer accidentally damages a customer's car during the cleaning process, the customer may sue for the cost of repairs. If the mobile car washer has general liability insurance, the insurance company can help pay for the cost of the lawsuit, including legal fees and damages awarded to the customer.
In another example, if an auto detailing business is sued for breach of contract because it failed to deliver services within the agreed-upon timeframe, the business's professional liability insurance can help pay for the cost of the lawsuit, including legal fees and damages awarded to the customer.
Overall, having adequate insurance coverage can provide mobile car washers and auto detailing businesses with protection and peace of mind in the event of a lawsuit or accident.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7542 Car Washes
- NAICS CODE: 811192 Car Washes
- Suggested Workers Compensation Code(s): 8380 Automobile - Service or Repair Center & Drivers
Description for 7542: Carwashes
Division I: Services | Major Group 75: Automotive Repair, Services, And Parking | Industry Group 754: Automotive Services, Except Repair
7542 Carwashes: Establishments primarily engaged in washing, waxing, and polishing motor vehicles, or in furnishing facilities for the self-service washing of motor vehicles.
- Bus washing
- Cleaning and polishing (detailing) new autos for dealers
- Detailing (cleaning and polishing) new autos for dealers
- Laundries, automotive
- Truck washing
- Washing and polishing, automotive
- Waxing and polishing, automotive
Auto Detailing And Mobile Car Wash Insurance - The Bottom Line
To learn more about the specific type of auto detailing and mobile car wash insurance you need and how much coverage you should invest in, speak with a reputable broker that specializes in commercial insurance.
Additional Resources For Auto Service & Repair Insurance
Read useful small business auto service and repair insurance policy information. In an aotu related business, you need to have the right type of commercial insurance coverage so that your garage, employees, and customers vehices & other property is protected.
- Auto Dealers
- Auto Detailing & Mobile Car Wash
- Auto Dismantlers
- Auto Garage
- Auto Glass Repair Shops
- Auto Paint Shops
- Auto Service Repair
- Auto Supply Parts Store
- Car Rental
- Car Wash
- Gas Station
- Motorcycle Dealers
- Parking Lot
- RV Dealers
- Snowmobile Dealers
- Truck Rental
- Used Car Dealer
The auto service and repair industry is an essential part of the transportation sector, responsible for maintaining and repairing vehicles to keep them running smoothly and safely. However, this industry also comes with inherent risks and liabilities, which is why commercial insurance is necessary to protect both the business and its employees.
First and foremost, the auto service and repair industry deals with hazardous materials and equipment on a daily basis. There is a risk of accidents and injuries occurring in the workshop, and insurance can provide financial protection in the event of a workplace accident or injury.
Additionally, the auto service and repair industry is subject to the risk of property damage. There is a potential for damage to vehicles in the workshop, as well as damage to the business' own property, such as tools and equipment. Business insurance can cover the costs of repair or replacement in the event of such damage.
Furthermore, the auto service and repair industry is vulnerable to liability claims from customers. If a customer's vehicle is not repaired properly, it can result in further damage or accidents on the road, leading to liability claims against the business. Insurance can provide coverage for these types of claims, protecting the business from financial loss.
In conclusion, the auto service and repair industry needs commercial insurance to protect against the risks and liabilities inherent in this line of work. Without insurance, businesses in this industry would be vulnerable to financial loss and legal action, which could ultimately lead to their failure.
Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income, Equipment Breakdown, Employee Dishonesty, Money and Securities, Accounts Receivable, Computers, Signs, Valuable Papers and Records, General Liability, Employee Benefits, Environmental Impairment, Underground Storage Tank Liability, Umbrella, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Earthquake, Flood, Computer Fraud, Forgery, Goods in Transit, Cyber Liability, Employment-related Practices, Business Automobile Liability and Physical Damage, Garagekeepers and Stop Gap Liability.