Called For Insurance Quote - Can't Cover Me

It's ok, I wasn't looking for a referral. Just wanted to share my findings with others.
 
Ok. So a detail policy should run about $400 + per year. Here is a solution for your polishing, have the customer sign a waiver. I am not familiar with paint correction but I am familiar with scratch waivers in window cleaning, although I have never offered a customer to sign one. It's all about accidental scratching. But the point is, offer a waiver and know what you are getting into.

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You can get insuraunce for driving a customers car and for incidents that may happen while it is in your possession (fire,theft-as long as you have a garage to lock it in) But I have never heard of any policy covering you for any damage you inflict on a vehicle during the detailing process. If you think you have this kind of policy i would suggest reading it with your agent and asking very specific questions. You are better off keeping some cash in the bank for these incidents.
 
I have garage keeps and liability coverage which does covers if I damage the car in anyway while its in my shop. I ask a lot of questions before I bought the insurance and I have state Farm which cost me $360 a year.
 
sweatthedetails said:
You can get insuraunce for driving a customers car and for incidents that may happen while it is in your possession (fire,theft-as long as you have a garage to lock it in) But I have never heard of any policy covering you for any damage you inflict on a vehicle during the detailing process. If you think you have this kind of policy i would suggest reading it with your agent and asking very specific questions. You are better off keeping some cash in the bank for these incidents.
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:iagree: This...
 
erichaley said:
I called my insurance company the other day to get a quote for business liability and garage keepers insurance.

After contacting their underwriters to get more information, the agent called me back and said that, because I am home-based, they wouldn't cover any painting or paint-related work.

I explained that I wouldn't be doing any painting, and that I was concerned about the "paint-related" bit. They seemed to think that it meant work done in preparation for painting.

I went on to explain that I do some occasional wet sanding, but I don't do any prep work. The agent said they'd have to check with their underwriters and get back to me.

A while later I received a voicemail from the agent, and their underwriters said that sanding would also be excluded.

Thinking about it a bit, does this mean they wouldn't cover any detailing business? After all, any sort of compounding or polishing could technically be considered sanding since abrasives are being used.

Obviously I am not going to go and try to convince this company to write a policy, I just thought you all would find this interesting, if not shocking.

Anyone else have a similar experience?
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When I called for insurrance they asked me about this as well.

I explained I was not gonna do any painting, just cleaning, polishing and waxing kind of work. Then they asked me if I was gonna install and electrical system, I told them no. Finally they asked me if I was gonna do any car modifications, also told them no. They came back to me with a quote the following day.

Try contacting an insurrance broker instead of contacting an insurrance company. When I told him my business he know exactly what I needed and what company could cover me.
 
My insurrance is 90$ per month, so roughtly 1100$ per year. In Canada, insurrance is super expensive and there is only 2 companies that offer it too.
 
Pureshine said:
I have garage keeps and liability coverage which does covers if I damage the car in anyway while its in my shop. I ask a lot of questions before I bought the insurance and I have state Farm which cost me $360 a year.
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^This is what I have as well...

Liability for any damages caused to customer property (ie their car) while operating business related events (it also covers business assets to a certain $ amount, and MANY other things). Again, I specifically asked about damage caused while polishing and/or working on vehicles... it is absolutely covered. Hence the term "liability", meaning 'the state of being responsible for something'... I am responsible for the customer's car while I am working on it, my insurance covers me in the event that any damage occurs during normal business practices associated with my policy. Not sure why it is so hard to believe... it's a common thing. Just like your liability on your homeowner's insurance.

You are responsible for the safety of the guests in your home.. if someone breaks a leg they can surely file a claim with your insurance company whether they slipped while walking downstairs or if they thought it would be a good idea to attempt a backflip off of the couch (that might be stretching it? but you get the idea).

This policy DOES NOT cover me for driving someone else's car. That is a totally separate type of liability policy which I do not carry since I do not pickup or deliver vehicles.
 
zmcgovern45 said:
^This is what I have as well...

Liability for any damages caused to customer property (ie their car) while operating business related events (it also covers business assets to a certain $ amount, and MANY other things). Again, I specifically asked about damage caused while polishing and/or working on vehicles... it is absolutely covered. Hence the term "liability", meaning 'the state of being responsible for something'... I am responsible for the customer's car while I am working on it, my insurance covers me in the event that any damage occurs during normal business practices associated with my policy. Not sure why it is so hard to believe... it's a common thing. Just like your liability on your homeowner's insurance.

You are responsible for the safety of the guests in your home.. if someone breaks a leg they can surely file a claim with your insurance company whether they slipped while walking downstairs or if they thought it would be a good idea to attempt a backflip off of the couch (that might be stretching it? but you get the idea).

This policy DOES NOT cover me for driving someone else's car. That is a totally separate type of liability policy which I do not carry since I do not pickup or deliver vehicles.
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:iagree: Not having insurance for your business is just dumb! If you get sued you could loose everything not worth it to me.
 
There are tons of post on this subject on here, but this quote from another thread sums it up. You may be working happily under a false umbrella. Hopefully it never starts to rain on you.

Tuscarora Dave is right again! Most, if not all, Garage Keepers Policies will have a "faulty work" exclusion. I haven't seen any policy that will pay for damage for faulty work though there may be some out there. General Liability policies have "care, custody and control" exclusions so you won't have coverage if the vehicle is in your care, custody and control. Homeowners policies won't pay for business related claims. The forum had a good discussion back in January of 2012 regarding insurance and the thread is titled "A Few Insurance Questions". Calling your agent is a good idea but a better idea is to call your agent and ask him or her who is the best commercial liability claims adjuster in the local claims office then call them for some professional advice.


www.SweatTheDetails.Time2Detail.com
www.Facebook.com/DentsAndDetails
I may be slow, but I do poor work.
 
sweatthedetails said:
There are tons of post on this subject on here, but this quote from another thread sums it up. You may be working happily under a false umbrella. Hopefully it never starts to rain on you.

Tuscarora Dave is right again! Most, if not all, Garage Keepers Policies will have a "faulty work" exclusion. I haven't seen any policy that will pay for damage for faulty work though there may be some out there. General Liability policies have "care, custody and control" exclusions so you won't have coverage if the vehicle is in your care, custody and control. Homeowners policies won't pay for business related claims. The forum had a good discussion back in January of 2012 regarding insurance and the thread is titled "A Few Insurance Questions". Calling your agent is a good idea but a better idea is to call your agent and ask him or her who is the best commercial liability claims adjuster in the local claims office then call them for some professional advice.


Macomb Dents & Details: Car Detailing and Paintless Dent Removal
www.Facebook.com/DentsAndDetails
I may be slow, but I do poor work.
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No one is talking about home owner insurance and I have talked to my agent all ready. Working with out insurance it will rain on you someday and won't be pretty for you and your family.
 
Here is a break down of garage liability and garage keepers insurance for everyone.


• Garage liability insurance: Garage liability insurance is purchased by someone who owns a repair shop or some type of vehicle service center. Liability insurance normally covers liability for the premises, operations and products. Normally, there are two sub-policies that fall under liability insurance: completed operations coverage and product liability. Completed operations coverage comes into play when maintenance you perform on a vehicle proves to be defective and your customer is involved in an accident or is injured as the result of your work. Product liability involves bodily injury or property damage suffered by third parties as a result of defects inherent in the products you sell to a customer.
• Garage keeper’s insurance: On the flipside, garage liability insurance does not cover customer’s cars that are left in your care, but this is where garage keeper’s insurance comes in. If you cause damage to a customer’s vehicle while it is in your possession, garage keeper’s insurance is what you will need to cover these costs.
 
And before being able to get any of these insurances, would you have to be an actual business, (paperwork, licenses etc...) whether it be at a shop or your home? And if it is from your home, would you have to get HOA approved? Or is HOA just for condos and not actual homes?

Thank You,
 
Your best bet when correcting paint is to do a good job or else you will be paying out of your own pocket for repairs to the paint.
 
I had to have my HOA approve my business and had to have the cities environmental sign off on my business too.
 
Also, the HOA will most likely not allow you to run a business out of your garage. Your best bet would be to invest in a shop if you are going to get insurance. The amount of traffic a detail shop can bring in is pretty overwhelming for a neighborhood.
 
sweatthedetails said:
Tuscarora Dave is right again! Most, if not all, Garage Keepers Policies will have a "faulty work" exclusion. I haven't seen any policy that will pay for damage for faulty work though there may be some out there.
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+1
The standard ISO garage form clearly states (on pg 10) that faulty work is not covered. However, as with all policy language, it is not entirely clear-cut and the outcome will depending on the circumstances surrounding the claim.

However, depending on your carrier and the forms that they use, I know that there is one large carrier out there that has coverage available for faulty work.

PS - I work as underwriter as a carrier so I may be able to answer some of your questions.
 
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