When operating a car wash, getting business insurance coverage to protect your car wash should be top priority.
General liability insurance protects your business from financial strife of customer's legal or medical costs for injuries while on your business’s property. This will cover your legal defense and the costs associated with the loss if you are found liable, up to your policy limits.
Property damage, whether it is from fire, extreme weather conditions, or natural disasters, flood from severe rainstorm, property insurance would cover the cost of repairing or replacing your business-related property including structural damage to your building and the business materials you store there.
Workers compensation insurance is required by law in most states of the US. If an employee is injured in a work related accident, workers compensation will pay for their medical care and recovery expenses. Your business will also not be responsible for the damages or sued by your employee.
Professional liability insurance, also referred to as Errors and Omissions insurance, covers lawsuits related to your work, product or service. This insurance provides coverage in the event that a business is held legally liable for damages which are cause by your product, improper advice or negligence.
This coverage provides protection against theft, fire, vandalism and collision for the cars kept in your care. This will pay for the repair to the damage of the customer's car up to the limit you select. Whether it's one car or many cars damaged in your car wash, this coverage can cover the total damage.
Injuries, damages, and lawsuits arising from accidents involving vehicles your business uses to transport kids will need to be covered. This is usually a requirement for home daycares with business vehicles.
Car washing is an all-year-round job, whether washing off mud in the summer or salt in the winter. A car wash can be a fulfilling business to run, but things are not always as glossy as a premium finish. Since you make sure cars are squeaky clean, we will make sure your insurance coverage is squeaky clean too.
While car washing may seem like a simple business, there is much to consider in covering your work location, all your equipment and the cars of your customers. There is never a way to know when something may go wrong, causing the downfall of your business either physically or financially. There are a lot of moving parts, and cleaning people’s cars can be tricky. Don’t let your insurance coverage give you the feeling of getting soap in your eyes.
Running a car wash business without insurance is taking a mighty huge risk. Our broad, tailored coverage options and enhancements are based on our deep knowledge and experience in the car wash insurances, and specifically designed to meet the needs of our customers.
At Business Insurance Agency, we will take the time to get to know your business and assess the risks involved in your business, and can assist you with the right coverage options you need at an affordable price.
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