Car Wash Insurance

A comprehensive car wash insurance policy typically includes the following coverages:

• Commercial General Liability (CGL) Insurance: CGL, or slip-and-fall insurance, covers you for third-party bodily injury or property damage claims because of your car wash business’s daily operations. For example, if a customer slips on the wet concrete floor at your self-serve car wash and is injured by the fall, CGL is designed to pay for the customer’s medical expenses. CGL may also include product liability insurance, or it can be added to your policy.

• Garage Liability Insurance: You are responsible for your customers’ vehicles when they’re in your care, custody, and control. Therefore, if your car wash operations feature employees hand-washing vehicles inside and out without the customer driving their vehicle, you should consider including garage liability coverage to your policy. It covers you for damages to customer vehicles, theft, and vandalism whether the car is being serviced or parked on your property.

• Commercial Property Insurance: Commercial property insurance covers your car wash’s buildings, attached physical structures, and business contents from damage or loss resulting from extreme weather, fire, flood, burglary, or vandalism. It also protects your inventory, electronics, office equipment, and furnishings. Commercial property coverage may also include business interruption insurance to cover your operating costs if your car wash is closed for repairs due to an insurable loss.

• Equipment Breakdown Insurance: Without a doubt your car wash business features a lot of specialized, expensive equipment that are vital to your operations. Protect that equipment from internal damage resulting from mechanical or electronic malfunctions with equipment breakdown insurance. This coverage also protects your business’s office equipment and computing systems.

• Legal Expense Insurance: Hiring a lawyer or seeking legal advice for business-related matters can get expensive quickly. Legal expense insurance is a much cheaper alternative. It provides you with funds to retain an experienced lawyer for a wide range of reasons, including contract disputes, debt recovery, employee disputes, taxation audits, and more.