Insurance for Car Washes

Whether you operate an automatic car wash, or provide full service auto detailing, car washing businesses have a unique set of exposures that should be properly Insured. We will go over some of the basic coverages and why they are important for your car washing business.

Insurance for Car Washes- General Liability

General Liability is extremely important for any car washing business. If you have a customer that trips and gets injured, or if an employee damages vehicles, it is your General Liability that will protect your business against these types of claims. General Liability is often easy to obtain and affordable. In addition, you can usually bundle your General Liability with the Business Property coverage into a single, affordable policy, often referred to as a Business Owners Policy, or BOP. These BOPs are great because they combine several coverages onto one policy, with one policy number, which is often much more inexpensive than purchasing these coverages separately.

Insurance for Car Washes- Business Property & Business Income

Depending on the type of car wash you operate, Business Property may be one of the most important coverages you ever purchase. Business Property can cover smaller items like computers, tools, cleaning supplies or it can cover large items like an automatically car washing system. Purchasing this coverage is vital to those business that depend on their property to run their business. In addition to covering Business Property, you can elect to purchase Business Income coverage, which will cover lost income you may incur if your business suffers a covered property loss.

Insurance for Car Washes- Additional Coverages

There are additional coverages to consider, depending on your business operations. If you have employees, you must carry Workers Compensation. If you store vehicles overnight, for any reason, you should protect yourself with garagekeepers coverage. If you are performing any kind of mobile services, the business should have Commercial Auto or a  similar auto policy in place. If your business performs work on high value vehicles, you may want to consider an excess liability or umbrella policy in case there is a large claim.

If you would like to learn more about Insurance for Car Washes, give us a ring! We are available and eager to assist you. You can reach us at 925-297-4829.

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.