Comprehensive Coverage for Car Detailing Businesses

Policy Features

Protect your business with the right insurance coverage. Here are the key coverage options you need to consider:

  • Maximum Vehicle Value Coverage – Up to $150,000 per Vehicle

    Ensure you’re fully covered for the most expensive vehicle in your care. This coverage is highly affordable—for example:

    • $50,000 coverage = Only $250/year
    • $100,000 coverage = Only $350/year
  • Total Vehicle Value Coverage – Up to $400,000

    This limit should reflect the total value of all vehicles in your possession at any time. To calculate the right amount, simply multiply the value of your most expensive vehicle by the maximum number of vehicles you can have inside and outside your shop.

  • Maximum Number of Vehicles Coverage

    Your policy must accurately reflect the total number of vehicles at your location (both inside and outside). Underreporting can impact claims due to a co-insurance clause (Learn more about co-insurance). No additional cost to declare the correct number!

  • Open Lot Pilferage Protection (OPF 75)

    Standard garage auto insurance does not automatically cover theft or damage to customers’ vehicles while they are parked outside. Adding this protection ensures you’re covered against unexpected losses. Affordable pricing—starting at just $XX per year or $YY per month.

  • Comprehensive Coverage (OEF 77)

    Protects against theft and non-collision damages, including the most common claims like windshield chips from road debris when picking up or delivering a car.

  • Contractors' Equipment Protection

    If you offer mobile detailing services, your on-the-go equipment may not be covered once it leaves your premises. This add-on ensures your tools and equipment are protected wherever you work.

Ready to Protect Your Detailing Business?

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Get the specialized coverage you need in minutes. Our online quote system makes it easy, and our detailing insurance experts are here to help every step of the way.

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