Physical damage to the customers’ vehicles is ordinarily excluded, therefore garage keepers liability is often necessary to secure.  Garage keepers protects against damage or loss resulting from either comprehensive and/or collision.  

Garage keepers liability insurance is most often rated by the aggregate value of what is being insured usually broken down by the amount of comprehensive and a separate amount for the collision.  Any owned vehicles, such as a station car or a tow truck is rated by the usage, the year, make, and model, value, radius, etc.  Dealer and transporter plates can be calculated by the number of plates, or some other factor.

An umbrella policy typically adds an additional layer of liability coverage over the underlying or base limits.  

Commercial Property Insurance

These policies are generally written on either a basic, broad, or special basis. The first two defines which perils are covered, while the latter covers all direct physical losses except for the exclusions.  It is important to determine every aspect of what perils are inherent to the business.  

Workers’ Compensation & Statutory Disability Insurance

All states have workers’ compensation laws that require organizations to provide coverage or a means to pay for it’s employees claims in the event of an on the job injury or illness.  Please refer to the insurance department or the department of labor in the state for which the business operates and the employees are located or work in.  Statutory disability may also be required which provides coverage for off the job injuries and illnesses.

By William F. Schaake, CIC, CRM © 2012 All rights reserved

Insurance Essentials for

Car Wash & Auto Detailers

Brushless Car Wash

Important Considerations in Choosing an Agent to Service Your Car Wash or Auto Detail Center

Knowledge of the Industry

Experienced Staff

Fast Certificate Processing

Claims Representation

Billing & Finance Options

Support Backup

Access to Multiple Markets

What types of coverage are important to consider?

Car Wash & Auto Detail Center

Garage Liability

Property of Others

Garage Keepers Liability

Mechanical Breakdown

Loss of Business Income

Hired & Non-Owned Auto Liability

Underground Tanks & Flues

Personal & Advertising Injury

Monies & Securities         

Pollution Liability           

Auto & Truck Repair and Garage Insurance

Car Wash & Auto Detailing

Whether the car wash is brushless, utilizes high power pressure washing, or even old fashioned elbow grease the concern is almost the same for all in the industry:

The hope is the customer will come back again.  It’s the repeat business that keeps auto detail technicians in business.  

What are the inherent exposures of a car wash business?

The above examples are only a few of the concerns that face the typical automobile detailing service.  Other factors should also be addressed such as:  

Garage Liability & Umbrella Insurance

Garage liability insurance provides coverage to help protect the financial interest of the shop against third party liability losses.  These losses would typically result from negligent acts or accidents.  Generally the scope of coverage extends to the operation of the business, the premises it occupies, the products it sells, and the work performed after it’s completed also known as completed operations.  The operations hazards are those exposures occurring during business operation such as providing protection against third partly liability losses form driving a non-owned vehicle.  Premises liability protects against trip and fall claims at the described location.



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