Auto Detailing Business Insurance

A comprehensive auto detailing insurance policy from Zensurance includes various coverages, including:

• Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers costs associated with third-party bodily injuries and third-party property damage from your business’s activities. For instance, if a customer trips, falls, and is injured on your premises, CGL is designed to cover their medical and rehabilitation expenses.

• Commercial Property Insurance: Commercial property insurance covers the cost of damages and losses to your auto detailing shop, whether you own or lease the space, if impacted by fire, water, a natural disaster, theft, or vandalism. It can repair or replace damage to your property, contents, and electronics following an insurable loss.

• Garage Liability Insurance: Coverage for damage to a customer’s vehicle while in your care, custody, and control. For example, garage liability insurance is designed to compensate your customer if a vehicle is stolen from your premises.

• Pollution Liability Insurance: The deep-cleaning services you provide may involve using toxic chemicals or substances. Those elements can cause environmental harm, impact someone’s health, or damage their property. Pollution liability insurance covers ecological clean-up costs, third-party bodily injuries and damages to others’ property, such as a customer’s vehicle.

• Product Liability Insurance: Product liability insurance is designed to pay for damages from any product you manufacture, distribute, or sell. It covers third-party bodily injury and property damage from those products. Product liability insurance may be included in a general liability insurance policy. If it isn’t, you can add it to your policy.

• Tools and Equipment Insurance: This type of insurance is designed to repair or replace the tools and equipment you own if damaged by fire, water, a natural disaster, or if they’re stolen or vandalized.

• Equipment Breakdown Insurance: Your car detailing garage likely has specialized, expensive equipment you use, such as pressure washers, carpet extractors, steam cleaners, and water hoses and reels. Equipment breakdown insurance covers repairing or replacing them if they malfunction or cease to work because of mechanical or electrical failure.

• Cyber Liability Insurance: Your auto detailing business has a website, uses email, and may have a point-of-sale (POS) system to accept customer digital payments. If your business suffers a data breach or other cyber-attack, it could ruin your reputation and put you out of business. Cyber liability insurance protects you against expenses related to recovering from a breach or cyber-related incident by paying for repairing and restoring your software systems, legal advice, notification fees, credit monitoring, and covering losses your business sustains because of systems outage (like your website being taken over) due to a cyber-attack.

• Commercial Auto Insurance: If your business owns vehicles for transporting people, materials, packaged goods, or if you offer mobile car detailing services and travel to customers’ locations to provide your services, you need commercial auto insurance. Private-passenger car insurance is not designed to cover vehicles used for business purposes. If you rent vehicles for your company or your employees use their cars for work purposes, you may require a hired and non-owned commercial auto policy.