Car detailing goes beyond a normal car wash. Car detailing services strive to make each vehicle look spotlessly clean and like new on both the inside and the outside. And unlike car washing, car detailing services do not use automated machines to do the work; most car detailing is done by hand by experienced professional detailers.
Car detailing services are unique businesses with varying business insurance needs. You face risks such as fire, vandalism, slips and falls, damage to customer vehicles, and more. An independent insurance agent can help you find a comprehensive business insurance program designed for car detailing services to make sure that your assets are protected.
Why Do You Need Car Detailing Service Insurance?
Car detailing involves both interior and exterior processes. Exterior detailing involves using polish, wax, detergent, degreasers, and vacuums to clean and restore the original condition of a vehicle, including exterior paint, tires, windows, and wheels.
Interior detailing also involves using detergent, steam cleaners, and vacuums to clean and restore cabin leather, plastic, vinyl, and other fabrics and surfaces.
With the general public present on your premises dropping off and picking up vehicles, and vehicles being left in your care, anything can go wrong. Customers can trip and fall on your premises, and a wide variety of accidents or other types of costly incidents can take place at any time, including:
- Fire, theft, or vandalism
- Employee injuries
- Weather events and business disruption
- Employee theft and crime
- Employee lawsuits for wrongful termination or harassment
- Customer vehicle damage
- Equipment and machinery breakdown
What Does Car Detailing Service Insurance Cover?
Because most of your services are performed by hand, your employees probably operate your customers’ vehicles, and the vehicles are left in your care for several hours, at least. You might even offer additional services, such as oil changes, brake repairs, or vehicle inspections, leaving you exposed to a variety of additional property or liability claims.
Car detailing service insurance needs may vary depending on the types of services you provide. But for most car detailing services, your business insurance program should be based on some fairly standard coverage, including the following:
- Commercial property coverage, which protects your buildings and business personal property.
- Commercial general liability (CGL) coverage, which provides protection for claims or lawsuits related to bodily injury or property damage caused by you or your employees.
- Business interruption coverage, or business income coverage, which provides coverage for lost income and pays for continued expenses if you experience a weather-related or some other type of business interruption. Depending on where you are located, your revenue may fluctuate seasonally; losing business during your peak season due to a weather-related disruption can be devastating.
What Is Garagekeepers Liability Insurance?
Garagekeepers liability insurance is a specialty business insurance policy designed for garages that take possession of customer vehicles in order to perform some kind of service. Car detailing services like yours, as well as car washes, service stations, auto body shops, oil change and lube shops, vehicle inspection sites, and just about any other type of establishment that provides parts or service for vehicles and takes temporary possession of those vehicles.
Garagekeepers liability insurance protects you if a customer’s vehicle is damaged due to your negligence while it is in your care, custody, or control. This protection is not included in a standard commercial liability policy.
Garagekeepers liability insurance does not cover the contents of a customer’s vehicle, and also does not cover damage that occurs as a result of faulty workmanship, parts, or insufficient warranties.
What Is Equipment Breakdown Coverage?
Equipment breakdown insurance, often referred to as boiler and machinery coverage, supplements your business property insurance. It covers certain costs associated with accidental breakdown of machinery or equipment and the resulting property damage or loss.
If any of your essential machinery breaks down or is damaged and you cannot operate, you will face a devastating loss of revenue.
Equipment breakdown coverage typically covers breakdowns due to power surges, motor burnout, boiler malfunction, and even operator error. While the name evokes images of old or outdated machines, equipment breakdown insurance includes coverage for the latest technologies. You can obtain coverage for mechanical and electrical equipment, computers and computer systems, boilers, and other types of pressure equipment.
Boiler and machinery insurance is important for businesses like yours because it covers repair and replacement costs as well as business interruption costs. Even if you lease your building and equipment, this policy provides coverage for business interruptions.
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Other Car Detailing Service Insurance Policies
If you own a car detailing service, you will need to consider the following types of car detailing service insurance in addition to those discussed above.
- Employee theft and crime insurance covers costs associated with employee theft and crime.
- Workers’ compensation insurance protects employees who are injured on the job.
- Employment practices liability coverage provides coverage if an employee sues you for discrimination or some other type of unlawful or damaging employment practice.
How Much Does Car Detailing Service Insurance Cost?
In general, car detailing service insurance costs will vary depending on the size of your business, the number of employees you have, the amount and value of your inventory, the location of your business, and a variety of other variables.
An independent insurance agent can guide you though your options so you get coverage that meets your needs and budget.
Benefits of an Independent Insurance Agent
Independent insurance agents simplify the search process for finding the right car detailing service insurance. They’ll walk you through some handpicked policy options and explain the details.
Most importantly, they’ll be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
The Lowdown on Online Quotes
Online quotes can be tempting. They are fast and easy to get—but are they accurate? And are you getting quotes for the right coverage? For business owners, choosing speed over accuracy can cost you.
Online quotes can’t and don’t see the whole picture. They can leave out important coverage that will leave you devastated if something unexpected happens. And they can leave out cost-saving opportunities that an agent can help you take advantage of.
Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.
TrustedChoice.com Article | Reviewed by Paul Martin
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