Auto Detailing Insurance
Detailing takes customers' vehicles into your care, where strong chemicals, water, and buffers can mar paint, electronics, and interiors — that custody of the car drives this coverage.
What this coverage is intended to address
- ✓General liability that is intended to respond if a customer is injured at your shop or mobile setup, or their property is damaged.
- ✓A care, custody, and control consideration around customers' vehicles in your possession, which a licensed insurance professional can help you address.
- ✓Property-damage protection generally intended to respond to chemical etching, water intrusion, or buffer burn during detailing.
- ✓Tools and equipment (inland marine), when scheduled, intended to help replace polishers, extractors, and pressure washers if stolen or damaged.
Coverage products commonly considered
Most auto detailing operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Imagine a rotary buffer burns through a customer's clear coat on a fender during a paint correction; in the event of a covered claim, the relevant coverage is intended to respond to the refinishing demand, subject to policy terms.
- Suppose an aggressive wheel cleaner etches a set of polished rims left in your care — coverage may help respond to the resulting damage claim, within the policy's limits.
Frequently asked questions
Are customers' cars in my care addressed by this?
Damage to a vehicle in your possession is a care, custody, and control matter that is treated separately from standard general liability; a licensed insurance professional can explain how to arrange protection for cars in your care.
Does this respond if a chemical damages a customer's paint?
Coverage is generally intended to respond to resulting property damage from your work, such as chemical etching, subject to the policy's terms and any care, custody, and control provisions.
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