Detailing Insurance

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Sarybou

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Hello everyone. I'm having trouble finding a company to give me liability insurance. Wondering if anyone has had the same issue? Or if you do have insurance, you can help me out with the name? Etc? I really want to get covered asap. Thanks in advance!
 
Other than trying GEICO, I'm sorry I can't give any advice here. However, what kind of trouble are you having? That might help those "in the know"...
 
Look for local small business insurance companies and describe nature of your work. Off top of my head I've heard State Farm, Bolt, Safeco & Auto Owners do offer it.
 
I am currently in the process of getting an insurance quote. I use Travelers insurance so check them out. You may also try Desert Shores Insurance.
 
Just understand the insurance you do get will not cover workmanship. Meaning if you make the mistake of burning someone's paint it will still be on you. Ask very specific questions when shopping for insurance.
 
I heard the same thing. They won't cover mistakes you make. So basically the insurance is for things like burning down the customer's house or something like that. So I am very careful not to start fires when I detail my customer's cars ;)
 
With vBulletin, (that's the software that is this forum), you can search the entire forum or you can search a forum group.

You posted in a "forum group" called,

How to make money detailing cars Garage Detailing Advice


Look around to the upper right hand side of any forum group and you'll see the words,

Search Forum

And you can use this to search JUST the group you're in.


I just did this for you using the search term insurance and there's just a few of the threads I came up with and I know there's some GREAT information in them if you do a little clicking and reading.



https://www.autogeekonline.net/foru...ling-cars/103834-garage-detailing-advice.html

https://www.autogeekonline.net/foru...wners-what-do-you-pay-insurance-per-year.html

https://www.autogeekonline.net/foru...ling-cars/20833-insurance-cost-insurance.html

https://www.autogeekonline.net/foru...iling-cars/99587-bonds-insurance-license.html

https://www.autogeekonline.net/foru...ixed-location-insurance-questions-advice.html

https://www.autogeekonline.net/foru...wners-what-do-you-pay-insurance-per-year.html



Also, there's a IDA Webinar coming up and the topic is insurance, I'm not sure the date but when it's hammered down I'll share it on this forum and my FB page.


:)
 
To get yourself decent insurance plan you have check the details very carefully in order to not to pay extra (we all know what insurance companies are about). So check and double check everything you sign and be careful, or you gonna be looking for


Spam Link Removed - Mike Phillips


:laughing:
 
I had general liability and garage keepers policies through Statefarm and then through Country Financial. I simply called my agent and asked them to help me... was never a big deal.

As previously mentioned, be sure you fully understand what your insurance will and will not cover. It seems people falsely believe that a general liability policy will cover your mistake if you scratch someone's car or burn through someone's paint. That is not the case. There may be some sort of policy that does that... I really am no expert... but I spent a good amount of time with the commercial insurance expert who ultimately wrote my policy making sure I knew what I was paying for.
 
How about accidents that happen during the detail not related to polishing mishaps? Say you were leaning over a large hood and you lost your balance and fell onto the hood and put a dent in it. Are those type of accidents covered?
 
Or how about a real mishap that happened to me about 8-9 years ago. Worked on a Honda S2000 and put the top down after the it had been cleaned, dried and 303 Fabric Prot on. It remained down during the rest of the detail. When I raised the top again I realized that the plastic rear window did not fold onto itself properly. It creased and cracked the plastic window. I ended up not charging for the detail. Later found out that the owner had not put the top down in over 2 years and the plastic window was brittle. He did get the back section of the convertible top replaced.

Would that type of thing be covered?
 
I would consult with your agent or a qualified expert and go over specific scenarios like these to understand coverage... that is what I did with my agent. Gave him several "what if" scenarios.

As it was explained to me, you are responsible for your work and are supposed to be an expert at what you do and therefore accidents as a result of your work (ie burning through paint, dropping a tool on a car on accident, etc.) are not covered with general liability (or were not covered on my policy anyway... no idea if policies can be written in such a way that these things are covered, I am NO expert in this subject matter to say the least).
 
DBAILEY said:
Or how about a real mishap that happened to me about 8-9 years ago. Worked on a Honda S2000 and put the top down after the it had been cleaned, dried and 303 Fabric Prot on. It remained down during the rest of the detail. When I raised the top again I realized that the plastic rear window did not fold onto itself properly. It creased and cracked the plastic window. I ended up not charging for the detail. Later found out that the owner had not put the top down in over 2 years and the plastic window was brittle. He did get the back section of the convertible top replaced.

Would that type of thing be covered?
Click to expand...

That stinks.

The other scenario is that every time you put a claim in on any type of insurance policy you risk either being dropped or having your premiums raised. So the last thing you really want to do is put a claim in anyway. If I had insurance, which I don't, it would have to be something catastrophic and big $$$$ for me to put a claim in. Otherwise I'd just pay for it out of pocket.
 
As others have said, a policy will EXCLUDE workmanship. You burn through paint, it's excluded.

Some kid is running by, trips on a cord you left curled up on the floor, he breaks a leg...yeah, that *may* be covered.
 
Sarybou said:
Hello everyone. I'm having trouble finding a company to give me liability insurance. Wondering if anyone has had the same issue? Or if you do have insurance, you can help me out with the name? Etc? I really want to get covered asap. Thanks in advance!
Click to expand...

There are many companies which can provide liability insurance to you, its all depend on where you live and your past history but most of the time it's easy to get.
 
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