Get free detailing and car wash insurance quotes
Save money by comparing business insurance quotes from top carriers.
Auto Detailing and Car Wash Business Insurance
What kind of work do you do?
Choose from the nation's best insurance providers
Why do car washes and auto detailing businesses need insurance?
Working on other people's cars means accidents are bound to happen. A car wash might damage a side mirror, or a customer could slip in a puddle of soapy water. Auto detailing and car wash insurance policies protect against property damage, injuries, theft, and other losses.
Choose the best rate and coverage
Insureon helps auto detailers and car wash businesses compare insurance quotes from top U.S. carriers online.
Fill out one application to receive multiple quotes.
What types of insurance do auto detailers and car washes need?
These insurance policies cover the risks of detailing and washing vehicles.
General liability insurance
A general liability policy covers basic auto detailing and car wash risks, such as slip-and-fall injuries. Add garage keepers insurance to protect against accidental damage to customer vehicles.
BEST FOR
- Customer bodily injuries
- Accidental property damage
- Libel and slander lawsuits
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for owners of car washes and auto detailing shops to buy general liability coverage and commercial property insurance together.
BEST FOR
- Customer injuries
- Damage to your building or its contents
- Business interruption coverage
Commercial auto insurance
A commercial auto policy covers legal fees from business vehicle accidents. It can also cover vehicle damage, such as damage to a mobile detailing business’s truck or a mobile car wash van.
BEST FOR
- Harm caused by your vehicle
- Physical damage and collision coverage
- Vandalism and theft
Workers’ compensation insurance
Most states require workers' comp for car washes and detailers that have employees. It also protects sole proprietors from work-related injury costs that health insurance might deny.
BEST FOR
- Employee bodily injuries
- Disability benefits
- Lawsuits from employee injuries
Cyber insurance
This policy helps car washes and detailers recover from data breaches and cyberattacks. It's recommended for any business that stores credit cards or other personal information.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data breach investigations
Commercial umbrella insurance
An umbrella policy boosts the limits of general liability insurance, commercial auto insurance, and employer's liability insurance to protect against the most expensive kinds of lawsuits.
BEST FOR
- Multi-vehicle auto accidents
- Customer injury lawsuits
- Employee injury lawsuits
Looking for different coverage? See more policies.
How much does cash wash and auto detailing insurance cost?
A mobile car detailer or car wash service can expect to pay less for insurance than a larger business.
Factors that affect auto services insurance premiums include:
- Type of business, such as mobile auto detailing service
- Value of your business property
- Business size and revenue
- Whether you store or service customer vehicles
- Whether you operate a garage
- Policy limits and deductibles
How do I get auto detailer and car wash business insurance?
It's easy to get auto detailing and car wash business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your automotive business, whether you work independently or hire employees.
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.