detailing without insurance

Pureshine said:
So your telling me you don't have insurance?
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That is correct, sir. The moment I book a Ferrari I will reconsider it. For now I see no need (this is just my opinion). I don't drive the customer's vehicle. I travel to their home to perform the work so it isn't in my garage. I am willing to shoulder the risk (and cost) should an accident happen that I caused. The circumstances and my opinion on the topic would be different if I owned a shop or accepted all my detailing work at my home. If there were the risk of a total loss (fire, theft, etc.) the cost/risk equation would make more sense to me.

Dr_Pain said:
Don't get me wrong, even on insurance you are taking a big gamble that the insurance will cover you.... but never forget that their primary obligation is to their investors and their bonuses rather than the individuals they provide coverage for. Check out the stats on denied health coverage (and associated causal effect... ie death)
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Perhaps I just have a bad taste in my mouth regarding insurance in general due to my personal experiences. My wife currently cannot be insured due to "pre-existing" conditions (cancer related). We cannot afford health insurance even when subsidized through my primary occupation. I pay for my kid's dental and health and that's it. To insure my entire family (with deductibles that actually make sense) it would be close to half of my entire income per month.

Here is a question for you all that basically summarizes my thought process for insurance in general: What if nobody was allowed to have car insurance? Do you think there would be more accidents or less accidents and why? I'm thinking people would be a little less careless if there was a real financial risk (besides a trivial $500 deductible) associated with driving recklessly. Another question: What if nobody had health insurance? Do you think health care would cost more money or less money?
 
Dr_Pain said:
There are true benefits to having insurance but when you are too much of a liability
they raise your premium to the point where you can't afford it anymore or deny you based in high risk levels
(same a preexisting conditions)
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^^^So True!!^^^

That's when:
"The (Insurance) Man" determines that your premium is roughly proportional to the risk.


:)

Bob
 
Nicholas@Autowerx said:
That is correct, sir. The moment I book a Ferrari I will reconsider it. For now I see no need (this is just my opinion). I don't drive the customer's vehicle. I travel to their home to perform the work so it isn't in my garage. I am willing to shoulder the risk (and cost) should an accident happen that I caused. The circumstances and my opinion on the topic would be different if I owned a shop or accepted all my detailing work at my home. If there were the risk of a total loss (fire, theft, etc.) the cost/risk equation would make more sense to me.



Perhaps I just have a bad taste in my mouth regarding insurance in general due to my personal experiences. My wife currently cannot be insured due to "pre-existing" conditions (cancer related). We cannot afford health insurance even when subsidized through my primary occupation. I pay for my kid's dental and health and that's it. To insure my entire family (with deductibles that actually make sense) it would be close to half of my entire income per month.

Here is a question for you all that basically summarizes my thought process for insurance in general: What if nobody was allowed to have car insurance? Do you think there would be more accidents or less accidents and why? I'm thinking people would be a little less careless if there was a real financial risk (besides a trivial $500 deductible) associated with driving recklessly. Another question: What if nobody had health insurance? Do you think health care would cost more money or less money?
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Ok this is not heath insurance. If your detailing and have no insurance of some kind is just dumb. Your setting your self up for a huge problem if you damage a customers car and can't afford to fix it. If that happens say good by to your business and get ready for a law suit.
 
Pureshine said:
So your telling me you don't have insurance?
Nicholas@Autowerx said:
That is correct
Pureshine said:
If your detailing and have no insurance of some kind
Your setting your self up for a huge problem if you damage
a customers car and can't afford to fix it. If that happens
say good by to your business and get ready for a law suit.

^^^:iagree:^^^
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But...Then again:
Why should some folks have any type of:
"Mobile-Detailing Business/(Commercial) Insurance(s)"...

When their "Mobile Detailing Business" is an example of:
'Economy'...Personified!!


TO WIT:
"As a truly mobile detailing operation we are able to detail your
vehicle on-site (provided there is local water and power access)".


Bob
 
Thank you Nicholas for sharing openly your situation despite the fact that it is ingrained in our society that it is "proposturously idiotic" to go against the mass. But as I mentioned in my "devil's advocate" comment that their is nothing wrong with being "self insured"

It is your gamble to take, and your gamble alone. This is the beauty of our great society.... individual choice!! This is the same choice and gamble we take in paying "like the good sheep we are" on insurance coverage we may or may not need, and that may or may not accept our claim......leaving us in the same boat as the self insured.

Here is something else to ponder, for our mobile detailers. Does your pseudo insurance covers working on someone else's property without a fully executed liability waiver from the business or individual. Your carrier may feel that the liability befalls the commercial liability carrier of the property owner?!?
 
rustytruck said:
You use a certain chemical and the customer comes and picks up her car with her 5 year old son in the back seat, on the way home the son has an asthma attack and dies. The lady gets a lawyer and they decide the chemicals you used contributed to her sons death and they sue you. Do you really think you have enough money on hand to cover the value of her 5 year old baby boy? This can't happen right? Better get insurance this could ruin your whole life.
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Exactly why you need insurance. You never know what can happen, and some people will go after you because you are a business. They figure you have money and insurance to pay too.

Sent from my MB886 using AG Online
 
I would never known auto insurance companies covers detailing businesses.... To be honest, how many times have you, professional or weekly detailing warriors had to call upon insurance?
 
Davidle1787 said:
I would never known auto insurance companies covers detailing businesses.... To be honest, how many times have you, professional or weekly detailing warriors had to call upon insurance?
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Never because I'm very careful but you never know what could happen. I work with a lot of high end cars so to me not worth the chance of not having insurance. Plus if my all my detailing stuff was stolen its all cover up to $20k
 
Wow, really enjoyed reading this thread. There are many pros & cons opinions posted. Dr. Pain, I appreciate you playing "devil's advocate" your posts makes you think if one’s insurance policies truly offer what the detailing business owner requires...”Protection”. When someone chooses to have insurance, it’s their sole responsibility to make sure the agent they are working with has their best interest at heart. It’s one’s own responsibility to make sure the Agent crossed all the "t's" and dotted all the "i's" giving the owner the best policy possible. Dr. Pain you’ve made me think about my policy, and I’m going to review mine with my agent line by line.
My thinking is it’s a matter of ones choice to have or not have insurance. The key word is “Choice” which is on a path of being limited these days. Part of having choice, is to choose what works for you. This thread turned into a good example of Freedom of Speech, two different opinions’… what a wonderful thing.
 
My Detailing Guys said:
Wow, really enjoyed reading this thread. There are many pros & cons opinions posted. Dr. Pain, I appreciate you playing "devil's advocate" your posts makes you think if one’s insurance policies truly offer what the detailing business owner requires...”Protection”. When someone chooses to have insurance, it’s their sole responsibility to make sure the agent they are working with has their best interest at heart. It’s one’s own responsibility to make sure the Agent crossed all the "t's" and dotted all the "i's" giving the owner the best policy possible. Dr. Pain you’ve made me think about my policy, and I’m going to review mine with my agent line by line.
My thinking is it’s a matter of ones choice to have or not have insurance. The key word is “Choice” which is on a path of being limited these days. Part of having choice, is to choose what works for you. This thread turned into a good example of Freedom of Speech, two different opinions’… what a wonderful thing.
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Glad you enjoyed it and also glad to play "Devil's Advocate".... some times!. There are always 2 sides to any story and I felt that the other side of the story needed to be discussed.

Being that I am exposed DAILY to insurance based denials, for minutia that most people don't or can't understand, this thread hit me close.

You mentioned planning on sitting down with your insurance agent and go through the what if's.... and I seriously think that you are summing up the thread very nicely. You do have a choice of being self insured, having limited coverage, or maximum coverage. In any case, you need to know what you are signing for.
 
Dr_Pain said:
Glad you enjoyed it and also glad to play "Devil's Advocate".... some times!. There are always 2 sides to any story and I felt that the other side of the story needed to be discussed.

Being that I am exposed DAILY to insurance based denials, for minutia that most people don't or can't understand, this thread hit me close.

You mentioned planning on sitting down with your insurance agent and go through the what if's.... and I seriously think that you are summing up the thread very nicely. You do have a choice of being self insured, having limited coverage, or maximum coverage. In any case, you need to know what you are signing for.
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+1 Yes you need to make sure what your sign is going to cover you for what you need and Ask lots of question. I gave my insurance agent scenarios of what could happen in my shop to make sure I was covered.
 
I’d like to make a suggestion to those who will be discussing their policy with their agent. Try to have a claims representative on hand as well as they are the people who will ultimately handle the claim and are more familiar with the policy provisions than the agent. Give them several scenarios and ask them if you would be covered under a General Liability Policy or Garage Keepers. You may find that the agent and claims representative are on different pages when it comes to coverage.

For example, you will want to know if the policy would cover damages caused by you such as burning through the clear. Your agent (or claims rep.) may say it’s covered but your claims rep. (or agent) may says it’s not as there is usually an exclusion for “faulty workmanship” under the Garage Keepers Policy and an exclusion for property in your “care, custody and control” in the General Liability Policy.
 
Paul Mitchell said:
I’d like to make a suggestion to those who will be discussing their policy with their agent. Try to have a claims representative on hand as well as they are the people who will ultimately handle the claim and are more familiar with the policy provisions than the agent. Give them several scenarios and ask them if you would be covered under a General Liability Policy or Garage Keepers. You may find that the agent and claims representative are on different pages when it comes to coverage.

For example, you will want to know if the policy would cover damages caused by you such as burning through the clear. Your agent (or claims rep.) may say it’s covered but your claims rep. (or agent) may says it’s not as there is usually an exclusion for “faulty workmanship” under the Garage Keepers Policy and an exclusion for property in your “care, custody and control” in the General Liability Policy.
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:iagree:
 
hi how is everyone. I've been trying to look around for different insurance. statefarm was recommended but when i contacted 2 different offices they both told me that they don't offer garagekeepers to detailers so i'm not sure if it's different for each state, but in Pa statefarm is a no go.
 
I have State Farm and my agent had to call the corporate office. You might want to try and call their corporate office.
 
sparklingwater said:
hi how is everyone. I've been trying to look around for different insurance. statefarm was recommended but when i contacted 2 different offices they both told me that they don't offer garagekeepers to detailers so i'm not sure if it's different for each state, but in Pa statefarm is a no go.
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I got a quote from SF.
 
Can I get some recommendations for insurance companies in that write in the NYC area. I am getting some really high quotes for a part time small detailing business. I already called SF, and 2 brokers and all 3 were over 1k a year. Thanx
 
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