Simply Business is pleased to provide tailored insurance options from:
There’s nothing you love better than the look on your customers’ faces when you transform their so-so cars into gleaming, practically-brand-new vehicles. In just the span of a few hours, your auto detailing business can make customers fall in love with their cars again.
That’s exactly why your detail shop deserves great business insurance.
Enter Simply Business. We’re an online insurance platform that makes it surprisingly easy to compare affordable policy options from insurers that specialize in covering car detailing businesses like yours.
Just answer a few questions about your business, click on a policy coverage option you like, and relax — you just got insured.
Ready to get covered?
As someone who works with customers and their most prized possessions — their cars — it’s safe to say that your business is likely exposed to plenty of (expensive) risks.
That’s why you should consider the following policies:
General liability insurance — also known as GL insurance, or commercial general liability insurance — is coverage that can protect your business from claims involving third-party accidents, property damage, bodily injury, and more.
Let’s break down what those terms mean, so you can get a better idea of how this essential policy can cover you:
And that’s a good thing. In fact, did you know that the average cost of a customer injury claim is a whopping $30,000?
General liability coverage is a foundational policy for businesses, precisely because it protects so many of the risks you may face as a business owner. And even if you’re extremely careful, accidents can happen.
For example, did you know that there’s a 40% likelihood that your business will experience a property or liability claim within the next 10 years?
That’s too high a likelihood to risk leaving your business exposed.
That’s why we specialize in helping auto detailers find affordable general liability policies. With policies starting as low as $19.58/month* — and many policies available with a $0 deductible — it’s no wonder more small businesses trust us to help keep their businesses protected.
To summarize, general liability can typically cover:
Here’s what GL insurance typically doesn’t cover:
Tools and equipment insurance — or “inland marine insurance,” as it’s more formally called — is coverage that protects your small tools and equipment while you’re in transit or storing your tools and equipment off-site.
Let’s say you’re a mobile detailing service that travels directly to your customers’ homes. While working on a customer’s vehicle, the customer’s child plays around with your steam cleaner and extractor (unbeknownst to you!) and breaks it.
If you have an inland marine policy, it can help cover the cost of repairing your equipment, as it was damaged while you were on the job.
For clarity, “tools” is defined as any small tool under $1,000 in value, while “equipment” is defined as having value over $1,000.
If you have employees — even if they’re part-time — you may be required by your state to have a workers compensation insurance policy.
Workers compensation insurance covers an employee’s medical bills, lost wages, and possibly even rehabilitation costs if they get injured or sick while on the job. Workers compensation coverage can even pay certain death benefits should the worst ever happen.
In summary, workers compensation for auto detailer business owners can cover:
As the owner of an auto detail shop, it’s safe to say you’re involved in every component of running your business. From administrative work to meeting with customers and training employees, you’re directly responsible for growing your business to where it is today.
But what are you doing to protect all that hard work and money you’ve sunk into your business?
That’s where business insurance comes in. Similar to car or health insurance, business insurance helps protect you from catastrophic financial costs should the worst happen to your auto detailing service.
And with many of those costs in the tens of thousands of dollars, it makes sense to protect your bottom line — and your personal finances — from a devastating accident or mistake.
The good news is that you can select business policies that are customized to your specific risks, so you don’t have to pay for what you don’t need. When you buy a policy from Simply Business, you can feel good, knowing your policy is protecting your hard work.
Ready to get started? Use our free online auto detailing insurance quote tool to see policy options from the nation’s top insurers — all in under 10 minutes.
Finding the right policy doesn’t have to be a headache, especially when Simply Business is here to help you. Take a look at our answers to your most common FAQs.
Is insurance required by law?The state or city (or both!) where you operate your auto detailing business may require you to have proof of certain types of insurance, especially if you have employees (i.e. worker’s compensation).
Even if you’re not required to have coverage, there are still plenty of good reasons to get it, such as:
In general, you can deduct your insurance premiums when filing your business’s taxes. But we’re insurance gurus, not tax experts. So it’s a good idea to speak with a tax professional or an accountant if you have additional questions.
How much business insurance will I need?The answer is usually determined by your business, with your insurance coverage typically determined by:
If you’re thinking of buying auto detailing insurance, it’s a good idea to have the following information on hand when using our online quote tool:
If you purchase a bundle of policies, including general liability insurance, tools & equipment coverage, and workers compensation (if you have employees), your auto detailing insurance can cover:
Your auto detailing insurance premium costs are usually determined by:
Want to see how much your business insurance coverage may cost? Answer a few questions about your business, and in just a few minutes, you could see policy options from insurance companies that specialize in protecting auto detailers like you.
Simply Business is an online business insurance platform that makes it easy to compare and buy policies from top insurers. We have over a decade of experience in making business insurance clear and simple for our customers.
We pride ourselves on making business insurance:
After all, you’ve worked hard to grow your auto detailing business, and we offer the best coverage to protect it.
*Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on July-September 2023 data of 10% of our total policies sold.
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
Auto Detailing Insurance
