how many of you detailing without insurance?

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how many of you are detailing without (liability) insurance? I'm sure many on here do side jobs and/or as a hobby and make a few bucks here and there, but how many of you still have insurance just in case? would like to here both sides of the coin...
 
I wouldn't do this job with out it. If your doing this for a living then you should have it. If your only doing friends and family then you will probably be ok with out it. I'm not risking damaging a 100k car and having to pay for it out of my pocket. I have a pick up and drop off service so I have to have insurance.
 
I've always been more curious of those that may have had liability and such in the past, but later dropped their policies for whatever reason. Even more so than those that were never insured.
 
I do a few vehicles by word of mouth here and there, if I had to pay for insurance it would not be worth it. I would not do a 100,000 dollar car but then again I don't make my living at this. If I ever went big time then yes I would have it, as a weekend warrior no.:buffing:
 
I have yet to do anything for a "Customer" over an AIO correction. Just friends and families, I wont get insurance until I can line up many multi-step and or expensive cars. I also do not do this for a living.
 
I didn't insure myself last year but the more I read the more I thought to myself that it's not a good idea to do without. I'm an enthusiast that through word of mouth has gotten work from people I don't know. Because of this I keep liability and garage keepers.
 
no insurance.. no offense to anyone, but really shouldn't be causing damage with detailing unless you totally don't have any idea what you are doing... but, I am LLC'd so as far as protection goes I'm "covered"

Now IF I had a shop I might be more tempted to get it, but prob still wouldn't and not allow customer's in my garage
 
I notice that $100,000.00 is an often stated "cut-off figure" for determining the worthiness of vehicles...
and, therefore, in having some kind of detailing-insurance or not.

That's great if a person doesn't have to be worried about any
out-of-pocket expenses towards less expensive, perhaps even thought to be: "Less worthy" vehicles.

I personally would not want to be held liable for any vehicle...regardless their sticker price or perceived value.

Bob
 
FUNX725 said:
I notice that $100,000.00 is an often stated "cut-off figure" for determining the worthiness of vehicles...
and, therefore, in having some kind of detailing-insurance or not.

That's great if a person doesn't have to be worried about any
out-of-pocket expenses towards less expensive, perhaps even thought to be: "Less worthy" vehicles.

I personally would not want to be held liable for any vehicle...regardless their sticker price or perceived value.

Bob
Click to expand...

:iagree:
 
Statefarm, with enough insurance to cover any car i will ever land. $1824.00 a year.
 
HD.Detailing said:
no insurance.. no offense to anyone, but really shouldn't be causing damage with detailing unless you totally don't have any idea what you are doing... but, I am LLC'd so as far as protection goes I'm "covered"

Now IF I had a shop I might be more tempted to get it, but prob still wouldn't and not allow customer's in my garage
Click to expand...


It doesn't have to be a claim on something you did. For example a customer claims a product you used on their interior caused their kid to become sick or they claim you damaged their navigation screen while cleaning. These claims may be bogus but in todays litigious world people know no limits. It's a shame but one must CYA as they say.
 
2old2change said:
It doesn't have to be a claim on something you did. For example a customer claims a product you used on their interior caused their kid to become sick or they claim you damaged their navigation screen while cleaning. These claims may be bogus but in todays litigious world people know no limits. It's a shame but one must CYA as they say.
Click to expand...

I see your point, I have customers sign a check in sheet too...


"The customer indemnifies and holds harmless against any and all liability, loss damage, expense (including legal expenses), causes of action, suits, claims, or judgments arising from loss or damage of any nature whatsoever. "

That is why I have an LLC, so if someone tries to pull some crap they sue the LLC, my personal assets are protected and they will never collect on any BS suit.
 
Then why have an llc if you have everyone sign a waiver? Nothing personal to you but if I payed to have my car detailed and you wanted me to sign a waiver that you have zero liability I'd walk.

Perhaps I read your post wrong but that's what I took from it.
 
HD.Detailing said:
I see your point, I have customers sign a check in sheet too...


"The customer indemnifies and holds harmless against any and all liability, loss damage, expense (including legal expenses), causes of action, suits, claims, or judgments arising from loss or damage of any nature whatsoever. "

That is why I have an LLC, so if someone tries to pull some crap they sue the LLC, my personal assets are protected and they will never collect on any BS suit.
Click to expand...

The above waiver is considered an exculpatory clause which is subject to the laws of the state in which it is written as some states are more lenient than others. The courts can determine the exculpatory clause invalid if it is considered unreasonable. It would be wise for any detailer to check with an attorney regarding exculpatory clauses in contracts in your state. One of the benefits of having insurance is your insurance company will most often pay for the attorneys fees if you are sued even if you lose. Even though you may have an LLC you can still be personally sued and end up paying an attorney to appear in court and have you, and your wife if married, released from the suit.
 
No mention of concerns of customer/passerby tripping over power cords/hoses or slipping/falling from tire shine on pavement while mobile?
 
HD.Detailing said:
I see your point, I have customers sign a check in sheet too...


"The customer indemnifies and holds harmless against any and all liability, loss damage, expense (including legal expenses), causes of action, suits, claims, or judgments arising from loss or damage of any nature whatsoever. "

That is why I have an LLC, so if someone tries to pull some crap they sue the LLC, my personal assets are protected and they will never collect on any BS suit.
Click to expand...

Are you the only employee of the LLC? If so, then you are still just as liable. Be careful, just because you are incorporated doesn't mean you are invincible. Many recent laws and legislature has pointed the finger past the company and straight to the employees for liability.

That being said. Insurance is a must if there is ANY cash transaction at all.
 
i dont have insurance this is not my main job as i only detail cars on my days off of work fridays and saturdays for extra money although detailing is my passion and if i could do this as my main job i wouldnt think twice about it as far as insurance it wouldnt be cost effective i work out of the house from my garage and in these winter months with no heat im totally out of side work cause of the weather
 
This is a great question about insurance, I love doing detail on my cars and and have been really thinking about starting to do some jobs. however i probably wont be trying to work on very expensive cars.
Mainly washes and clay and wax to start and see how it goes from there.
i am capable to compound and polish as i do practice on my own witch usually come out nice. but working on someone else is car with compound scares me a little. my advice to some one starting would be to be very careful on and around rubber bumpers. especially if the car was repainted by a body shop because i my opinion the paint just isnt as strong as factory and can flake off easily. To those more professional detailers let me know if u agree. thanks
 
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