When you own and operate an auto detailing or car wash business, the risk of accidentally damaging a customer’s car is always there. After all, a successful car servicing business means working on tens of cars every day, and a mishap is a statistical inevitably.
Hence, working in the auto detailing and car wash business, you must be ready for it. It is your responsibility as a service provider to have the necessary insurance coverage to pay for damages without disruption to your regular operations.
There is a litany of things that could possibly go wrong. So, get the following six insurances, and you should be covered for just about any mishap.
General Liability Insurance
This is a must-have insurance for any business. It will cover you if a client’s private vehicle is damaged accidentally. This is important because accidents like these are common in auto detailing and car wash businesses.
You just need to be able to cover your customers’ car’s damage and retain their loyalty and patronage. General Liability Insurance will also protect you against any slip-and-fall accidents and lawsuits. As such, this insurance type is necessary to have a smooth functioning business that can easily handle minor setbacks.
This insurance policy will cover any damage to your business’s premises. This could come in the form of accidental damage, which is very likely in auto detailing and car wash establishments due to heavy tools and machinery involvement. Moreover, depending on the specific type of property insurance, your business will also be protected against natural disasters and accidents like tornadoes, fires, and earthquakes. Without this insurance type, you would be just one accident away from bankruptcy. Therefore, it is vital that you have it.
Commercial Auto Insurance
If your business operates commercial vehicles, you must ensure them as well. Auto detailing shops and car washes tend to have delivery vans to collect the items they need to operate. Many successful car service companies even operate mobile car washes and auto detailing units out of vans.
These commercial vehicles must be insured so they can be repaired if they experience an accident. Commercial Auto Insurance will also shield you from vandalism or theft of a vehicle. Good Commercial Auto Insurance policies will go so far as to cover any accidental damage to other persons or property caused by your vehicles.
Cyber Liability Insurance
Times are changing. Auto detailing shops and car washes have a growing digital footprint. Besides just marketing online, many of them are also storing sensitive data on the internet – such as customers’ credit card information, social security numbers, or private details. Consequently, it is important you protect your business against any potential cybersecurity attacks. If you suffer from a data breach or other cybercrimes, Cyber Liability Insurance will help you recover financially from the fallout.
Workers’ Compensation Insurance
Most states obligate car washes to have Workers’ Compensation Insurance. This will protect you from any lawsuits resulting from employee injuries. Furthermore, if an employee is injured on the job and their health insurance does not cover their treatment, Workers’ Compensation will step in for their medical bills.
In fact, you also will not have to worry about missing employees’ wages due to unforeseen circumstances. After all, business is unpredictable, and there is no knowing what tomorrow might hold. With Workers’ Compensation Insurance, you can rest assured that the staff you work with will partially recover their salaries in the event of something unfortunate happening to your business.
Commercial Umbrella Insurance
This insurance type is necessary for large, successful auto detailing and car wash services. They cover you against the most expensive and large-scale lawsuits, including multiple customer and employee injuries. So, as you grow as a business, you will eventually have to get Commercial Umbrella Insurance to make sure you are always secure in the case of an expensive lawsuit.
Get Insurance for Your Auto Detailing and Car Wash Business With JMG Insurance Corp
When working on a vintage car’s interior at an auto detailing shop, it is possible for one of your employees to accidentally damage its wood trim. Or what if you have a car in at your car wash and water leaks through the sunroof and damages the leather interior? Worse still, what if one of your customers or employees accidentally slips and injures themselves on the car wash floor?
No matter the mishap, you must be ready to take responsibility for it. After all, it is your business, and you have taken on the responsibility to ensure everyone and their property will be safe and secure. But accidents and mistakes are unavoidable aspects of life.
Get in touch with JMG Insurance agency to ensure you are prepared with the right insurance for your auto detailing and car wash services.