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Car Wash Insurance
Customized car wash insurance coverage
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Get the tailored insurance your car wash business needs
Operating a car wash business has many moving parts. From maintaining valuable equipment to interacting with customers throughout the day, it takes a lot to keep your business rolling. Whether you run a full-service tunnel, a self-service bay, or a mobile detailing service, you need car wash insurance coverage that meets your unique needs.
What is car wash insurance?
Car wash insurance is a customized business insurance policy that protects car wash owners from common operational risks. It typically combines multiple coverages to help safeguard your business, employees, customers, and customers' vehicles.
Learn more about insurance for car wash businesses and let our team of experts help you find the right policy. Give us a call or start a quote online.
Why car wash business insurance is so important
Car washes are high-traffic environments, with automated machines, slippery surfaces, and moving vehicles. Car wash insurance can help protect you from a range of risks, including employee slip-and-fall injuries, vehicle damage during a wash cycle, and equipment failures.
Do you need a certificate of insurance for your car wash business?
If you lease your car wash equipment and commercial space, you may be required to prove you have insurance by providing a certificate of insurance (COI). Your COI shows you have protection for you and your lessor or landlord in the event of accidents or property damage on site. You should also request a COI from any vendors, suppliers, or contractors to ensure they're covered, too.
When you have a policy with Progressive Commercial, getting a COI is a quick and easy process. Start an online quote for car wash insurance and get covered today.
Who needs car wash insurance?
Anyone operating a vehicle cleaning business should carry car wash insurance coverage. Professions that can benefit from car wash insurance include:
- Self-service and full-service car wash owners
- Auto detailing specialists
- Mobile detailers
- Equipment installers
- Auto dealerships with car wash services
- Independent car wash contractors
Whether you're launching a startup car wash business, running a sole proprietorship for a mobile detailing service, or forming an LLC, we have coverages to make your business shine.
Types of car wash insurance coverages
If you clean and detail vehicles, you can benefit from specific coverages to protect your business. The most common car wash insurance coverages include:
General liability (GL)
Covers third-party injuries, property damage, and lawsuits
General liability (GL)
Covers third-party injuries, property damage, and lawsuits
General liability insurance can protect car wash owners and operators from a variety of claims involving injuries or property damage to other people. It also covers personal and advertising injury, like libel and slander, to help keep your reputation spotless.
Learn more about the benefits of GL and how much a general liability policy costs.
Example: One of your attendants accidentally uses the wrong cleaning chemicals on a high-end luxury car, ruining its finish. General liability can cover the cost of repairing the paint job.
Business owners policy (BOP)
Combines liability and property insurance in one package
Business owners policy (BOP)
Combines liability and property insurance in one package
A business owners policy can give you an extra coat of protection. With a BOP, you'll get liability, commercial property, and business interruption coverage. You can also add valuable options like equipment breakdown coverage, which can help keep your machinery up and running.
Example: Your car wash equipment is suddenly damaged by a broken water valve, forcing you to temporarily close your business. A BOP with equipment breakdown coverage can help pay to repair or replace your damaged property and get you back up and running.
Garagekeepers legal liability insurance
Covers customer vehicles while in your care
Garagekeepers legal liability insurance
Covers customer vehicles while in your care
Garagekeepers insurance protects you if a vehicle stored at your business gets damaged. It can cover theft, collisions, vandalism, and weather-related events.
Example: A client leaves their car at your business for detailing services, and it gets stolen from your site overnight. Garagekeepers insurance can help reimburse them for their loss.
Workers' compensation
Protects employees hurt on the job
Workers' compensation
Protects employees hurt on the job
If your car wash has workers, most states require you to carry workers' compensation insurance. It can help pay for medical expenses and lost wages if an employee gets injured or sick on the job. Find out your state's workers' comp requirements.
Example: A technician's hand gets caught in a moving part while servicing equipment. Workers' comp could cover the cost of surgery, rehab, and lost income while they recover.
Commercial auto
Covers vehicles you use for business
Commercial auto
Covers vehicles you use for business
Businesses that use vehicles for work are usually required to carry minimum commercial auto insurance protection. Vehicle liability pays for injuries and property damage to others if you cause an accident. You can also opt for additional commercial auto coverages to protect your own vehicle and passengers from damage.
Find out how much commercial auto insurance costs.
Example: You rear-end another vehicle while driving your mobile detailing van to a client's home. Commercial auto insurance covers the other driver's injuries and any damage to their car.
Cyber
Protects you from digital disruptions
Cyber
Protects you from digital disruptions
More car wash businesses are adopting mobile apps, automated kiosks, and cloud-based point-of-sale systems to make things run more efficiently. Cyber insurance helps cover you if your digital data gets compromised.
Example: You offer a rewards app to loyal customers, and information gets exposed by a breach. Cyber insurance can protect you from legal claims and pay for your recovery and reputation repair efforts.
Safeguard your business from false damage claims
Add cameras and post signage stating you're not responsible for pre-existing damage to vehicles that roll through your car wash. That documentation can help deter fraud and prove you aren't liable if someone makes a false claim against your business.
How much does car wash insurance cost?
The cost of car wash insurance varies based on specific factors. For example, if you run a mobile detailing service, you'll want to add commercial auto coverage. And if you automate POS systems, you should consider cyber insurance.
Factors that drive car wash insurance costs include:
- Business location and size
- Types of services you offer
- Number of employees
- Coverage limits
- Equipment and property value
- Claims and driving history
Learn more about how we calculate the cost of business insurance for car washes. If you have business vehicles, you may also need to consider the cost of commercial auto insurance. With Progressive Commercial, you have access to insurance discounts that may help lower your overall premiums.
Car wash insurance through Progressive Commercial
At Progressive Commercial, we've been helping small businesses with their insurance needs for over 50 years. With flexible options and competitive rates, you can choose the coverages and policy limits that work for you. Get an online quote and start exploring your coverage options. Or if you're looking for more support, one of our experts can help you find the car wash insurance coverage you need.
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