Insurance for Auto Detailing Businesses

Shopping for insurance quotes for your auto detailing business? With relatively low startup costs and a constant demand, there are a lot of reasons why people are drawn to starting auto detailing businesses. Keep reading to learn about the different insurance coverage types you may want to consider if you have an auto detailing business or are thinking of starting one.

Insurance Quotes for Auto Detailers

Shopping for insurance for a small business can be time consuming.

We work with over 100 carriers, which means more options for you. With offices located throughout the Northeast, one of our experienced insurance professionals may be closer than you think. Reaching out to our team to review coverage or request a quote is as simple as filling out our form here. If you prefer to call an office directly, you can find a list of our office locations here.

Why Do I Need Insurance as an Auto Detailer?

Working with other people’s vehicles and potentially on their property can expose you to all sorts of risks. In today’s day and age, lawsuits are all too common. Below are some potential scenarios that could happen when detailing a car:

• While cleaning the interior of a client’s car, you accidentally grabbed the wrong cleaner. Now the leather seats have all cracked and need to be replaced.
• A client left their vehicle at your business overnight. The next morning you discover that all their personal items have been stolen, including a laptop and an expensive pair of sunglasses.
• You accidentally scrape a client’s car and do damage to the body.

How Much Does Insurance Cost for an Auto Detailer?

What an auto detailer may pay per year to cover the costs of insurance relies on a variety of factors. These factors may include:

• The type of work that you perform.
• Where your business is located.
• How many employees your business has.
• The value of your equipment.
• The types of coverage along with the limits that you have chosen.

To get a more accurate depiction of what you might pay, reach out to your local office to request a quote.

General Liability Insurance

This is a common coverage for business owners – and with good cause. Some examples of what general liability insurance will typically cover are third-party claims, such as property damage, and customer injury.

Commercial Auto 

Do you drive a vehicle as part of your auto detailing business? A personal auto insurance policy, as opposed to a commercial auto insurance policy, does not provide liability coverage if you are driving for hire (sometimes referred to as “using your vehicle for public or livery conveyance”). Reach out to request a quote for commercial auto delivery services. Once you reach out, an insurance professional will likely need:

• A list of drivers
• The year, make, and model of the delivery vehicles
• Radius the vehicles are being used in

Business Owners Policy (BOP)

A BOP, or business owner’s policy, typically bundles two common insurance coverages- general liability and commercial property. Usually, these policies come with a cost savings compared to buying the coverages separately. Depending on what insurance carrier you go through, additional coverages may be available to add-on to a Business Owner’s Policy, such as data breach insurance. In order to see how much your business will pay for a BOP, you can request a quote.

Garagekeepers Liability

Garagekeepers Liability Insurance can provide an additional layer of protection for vehicles being stored on your property. For example, if a customer’s vehicle is damaged from severe weather, fire, vandalism, theft, or another covered peril while it is in your care, this coverage may be able to assist with the repair costs.

Workers’ Comp

If your business has even one employee, workers’ compensation may be legally required. Worker’s Comp can help cover medical bills for employees who are injured or become ill because of work related events. It can also help cover a portion of lost wages.

 

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.