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Essential coverages for your car wash business
When you also have equipment
All Basic plan benefits and:
Optional: Garage Keepers Liability
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
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. From the transport of products to injured employees, everything can be covered with us.
Business Owners Policy (BOP) is various types of insurance combined into one bundle. It combines the protection of property and liability risks in one; thus offering more savings than buying an individual policy for each. Depending on your business type the insurance provider may include other policies that could make up a perfect car wash insurance for you.
A standard car wash insurance, General Liability will protect your business from liability claims against property damage, personal injury and advertising mistakes arising from your business operations. It covers the cost of medical payment, damage to the premises, court and attorney fees to related claims, and other related expenses.
Workers' Compensation provides medical benefits, temporary disability benefits and supplemental job displacement benefits when the employee gets sick or injured on the job. It is a state-mandated car wash insurance and a "no-fault" insurance in which the employee will gain coverage regardless of who is at fault.
Garagekeepers Liability is a car wash insurance that provides protection against theft, fire, vandalism and collision for the cars kept in your care. The insurance 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, Garagekeepers Liability insurance can cover the total damage.
You are at risk of an employment claim. Protect your business from the employee-related claim with Employment Practices Liability Insurance (EPLI). This type of car wash insurance provides coverage against claims made by your employees alleging discrimination, harassment, wrongful termination, failure to promote and other employment-related issues.
Business Interruption insurance is designed to cover loss of income when you have to close your business temporarily due to the events not under your control. It covers profits you would earn if the incident did not occur, normal operating expenses like monthly bills and employee wages and even the expense of moving your car wash to a temporary location if possible.
Accidents and errors lead to huge financial loss. A customer may slip and fall on a wet floor and sue, and your business will be held liable. If you are held responsible you'll pay the customer's medical and other bills and all fees of the lawsuit. Your business property could catch fire, be damaged or vandalized. Weather events like a storm could cause a huge delay to your daily business. Your employees could sue for negligence or harassment. A customer's vehicle could be damaged while performing a car wash. Your equipment could break down and the delay could cost you huge profit loss.
Yes, especially if you accept car wash drop offs. Garagekeepers Liability insurance protects you when storing customer's vehicles. The insurance provides coverage for the damage of the vehicle at the time that the vehicle is under your care. It covers for damage pausibly caused to the customer's vehicle.
Car wash insurance depends on the type of car wash you operate and the services you provide. When you own a self-service car wash, you need to provide coverage when your car wash fails to operate. You'll also need coverage for the commercial property, as rare as it is, because accidents do happen and when customers accidentally ram their cars into your business property, you'll be glad to have Commercial Property insurance.
The cost of car wash insurance depends on the type of car wash you operate and the services you offer to your customers. A General Liability insurance, for example, could cost around $1,000 per year. Adding to that, other insurance policies you need to keep you protected can cost around $400 to $800 per year each. Although it may seem pricey, your monthly costs outweigh the liabilities, medical expenses and other expenses that you have to put up when a lawsuit or accident happens during your business operations.
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