Auto Detailing Insurance

Auto Detailing Business Insurance

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Zensurance - Car Detailer

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Auto Detailer Insurance Coverage

Insurance for auto detailers

You provide meticulous cleaning, restoration, and finishing for your customers’ vehicles, both exterior and interior, to rejuvenate a car’s appearance and enhance its value.

But sometimes, things can go wrong, no matter how cautious you are. That’s why auto detailing liability insurance is vital for protecting your business and financial assets. It’s a safety net that covers you for unforeseen incidents or accidents.

A comprehensive car detailing insurance policy lets you focus on growing your business and delighting your customers without worrying about potential legal or financial setbacks.

Insurance for auto detailing businesses is designed to protect professional auto detailers from financial losses arising from third-party claims. 

Auto detailing involves cleaning, polishing, and restoring the interior and exterior of vehicles to make them look new. While providing these services, there is a potential for accidents, damage to cars, or other incidents that could lead to legal or expensive damage claims against you.

Auto detailing insurance is the financial protection you need to deal with unexpected accidents or legal issues that could upend your business.

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.

Your insurance provider determines the annual premium for auto detailing insurance and depends on a variety of factors related to your business, including:

  • The services your auto detailing business provides
  • Your years of experience as an auto detailing business owner
  • Where your business is located, and its size
  • Your annual and projected revenue
  • How many employees you have
  • The tools and equipment you have onsite or transport with you to serve your customers
  • The contaminants your auto detailing business produces

You have the option to choose the level of coverage. Many auto detailing businesses carry at least $2 million of liability coverage. Speak to a Zensurance broker to determine the right coverage level for your business.

Getting insured is quick and easy!

Complete our 5-minute online application for a free auto detailer liability insurance quote.

Common claims scenarios

auto detailer cleaning mustang

Problem: While cleaning the exterior of a customer’s Ford Mustang with a cleaning agent you usually use, the cleaning agent damages the car’s paint.

Outcome: Your commercial general liability insurance may cover repairing the damage to the paint on your customer’s vehicle.

Mercedes damaged in the lot

Problem: A customer’s Mercedes-Benz parked in your car detailing business’s parking lot is damaged after an employee accidentally hits it while moving another customer’s vehicle on the premises.

Outcome: Your garage liability insurance may pay to repair damages to the parked Mercedes-Benz and the other customer vehicle driven by your employee.

Thief breaking in vehicle

Problem: Your auto detailing shop is broken into overnight and burglarized. The thief steals tools and a couple of laptop computers.

Outcome: Your commercial property insurance may cover repairing the damages to the building where the burglar broke in and replacing your stolen tools and laptop computers.

Frequently asked questions

How much insurance do I need for my auto repair shop?

How much coverage your auto repair shop needs depends on several factors, including where your shop is located, the types of services you offer, how many employees you have, and what your annual and projected revenues are. It also depends on how many customers’ vehicles you have on your premises and the average value of each vehicle. Speak to a licensed broker to determine what level of coverage your auto repair shop needs.

Do I need additional coverage if my auto repair shop also sells used cars?

Provided your auto repair shop has a used car dealer licence as per your province’s regulations, you may require additional ‘used car dealer’ coverage to your commercial general liability policy to adequately protect the new or used vehicles in your possession. Whereas garage keepers liability insurance protects customer vehicles in your care, used car dealer coverage is designed to protect you against damages or loss such as theft and vandalism to vehicles you are selling. 

Does my insurance policy cover my mechanics in training?

A comprehensive package featuring commercial general liability and E&O (errors and omissions) insurance may cover the costs associated with any errors your auto mechanics or technicians make to a customer’s vehicle that lead to a car accident. Your auto mechanics and technicians, whether they are being trained or are experienced employees, are covered by a commercial general liability policy.

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Ready to start? Let’s get a quote!

Get a comprehensive auto detailing insurance policy that revs your engine and protects you from unforeseen risks and accidents through Zensurance.

Our online application only takes a few minutes to complete to get a free quote. 

Our brokers are business insurance experts who can find the low-cost policy you need, answer your questions, and tailor the policy to suit your specific requirements.