Insurance question

[tkendrick]

I am thinking about having my ACL scoped to determine damage from a basketball injury. Do you think I should go for the posterior or anterior approach?
I was debating either stitches or tape to close the wound. Any thoughts?

Surely sarcatic...but seriously WHY IN THE FRIGGING world would you ask someone who details cars what insurance protection they need?

I see recommendations on this thread for LLC's, accountants, retirement accounts protections etc and etc. Its all over the top, its kinda like layering wax 20x !

I have been insuring detailing shops for 15+ years..If you are in Illinois or Indiana I can get you the exact coverage you need, or in some situations no additional coverage is needed.

For others...call the professional insurance agent..do yourself right!

Leave your detailing questions here, your insurance and orthopedic questions elsewhere.

and as always...good luck
..make good choices

I'm usually not one to respond to a negative post. However, I will make an exception this time. Your dismissive answer really pisses me off.

Detailer1 asked an insurance question because he was seeking information about an area he wanted to learn more about insurance.

I responded because it was an area that I thought I might provide some valuable insight to his question. Detailing is an activity that I enjoy as a hobby. I have learned a lot from both posting questions and reading reply's from other peoples questions. So when a insurance question was asked I felt like I might provide some helpful information. Given the choice, I will gladly answer someone that request help. What skin is it off of your nose anyway?

If you don't want to read anything about an insurance, why in the hell would even read it much less respond.

One last thought....if you think it's a bad idea to consult with professionals regarding insurance, the law or taxes. I'll submit you don't know anyone that has lost a lawsuit, had legal or tax problems. So, I say good luck to you.

 

[Tundra_10]

if they ask I say , "yes Im insured". This is RARELY asked by the way - and the only reason I have insurance is to retain a rental car company which provides max 700 a month :/ Other than that I don't think I have been asked lol.

B&B Tennessee,

I would first like to preface that I thoroughly enjoy reading your posts about your quests, ventures and success that you have been having with your detailing. You seem to have a problem of being overly busy and not too many people with small businesses have that problem in this economy, especially for a non-essential service such as "detailing". I want you to realize that I totally respect you in every avenue before I make the comment in relation to your post and for you to know there is no negativity or animosity meant toward you in any which way, as there has been only minimal to no interaction between you or I before.

I am not sure if this comment was made because I suggested to the other member that if I had I high-end vehicle I would want to see some credentials I would like to explain a little more why I would for his situation vs maybe not for another. He made the point/suggestion that he would be doing this part time, therefore I hope it would be safe to assume he would be strictly mobile/ working from his house. That being said I might be more inclined to "trust" someone with a brick and mortar building or at least someone who I know has a great reputation of reliability and dependability and forego the question of having insurance. Someone of your stature probably does not have to answer questions like that.

I cannot remember when exactly you started detailing, was it a year or so ago? Again, I apologize if I am incorrect and do not feel like finding your thread about starting up your business. However, in the beginning, maybe it would be advantageous to explain to some of the people here how you approached clients. How did you exude the right amount of confidence so they would be confided in you and would be assured that you were going to do as promised?

My examples I gave were strictly generated from my own view point and how I would conduct business with someone who I was not 100% on. I am OCD, anal-retentive, and have higher expectations then probably anyone else in the world, or so it seems at times. In relation to this, I would want to make sure someone had the proper coverage incase they messed up something on my vehicle. I apologize, if I gave out incorrect or false information.

I hope that I did not offend you in any which way, as I said you seem to be a genuine person and a great asset to this site, you among others are why I come back and enjoy spending so much time here. You all are inspirational to us all and help with ideas and tips that we can use on our own vehicles or even translate your words of wisdom into our own lives and situations.

 

[Newdetailer1]

Thanks guys for trying to get the topic back on track. Like I said maybe I'm wrong here for not jumping on the INC wagon, but for how I conduct business and the amount of cars I do a year it just seems more beneficial to me to stay sole. I would hope that a half decent insurance policy could protect me if something should happen. If this should grow to a full time thing and I'm doing a ton of cars then it makes sense to go INC and get more insurance. Does this make sense?

 

[Bates Detailing]

B&B Tennessee,

I would first like to preface that I thoroughly enjoy reading your posts about your quests, ventures and success that you have been having with your detailing. You seem to have a problem of being overly busy and not too many people with small businesses have that problem in this economy, especially for a non-essential service such as "detailing". I want you to realize that I totally respect you in every avenue before I make the comment in relation to your post and for you to know there is no negativity or animosity meant toward you in any which way, as there has been only minimal to no interaction between you or I before.

I am not sure if this comment was made because I suggested to the other member that if I had I high-end vehicle I would want to see some credentials I would like to explain a little more why I would for his situation vs maybe not for another. He made the point/suggestion that he would be doing this part time, therefore I hope it would be safe to assume he would be strictly mobile/ working from his house. That being said I might be more inclined to "trust" someone with a brick and mortar building or at least someone who I know has a great reputation of reliability and dependability and forego the question of having insurance. Someone of your stature probably does not have to answer questions like that.

I cannot remember when exactly you started detailing, was it a year or so ago? Again, I apologize if I am incorrect and do not feel like finding your thread about starting up your business. However, in the beginning, maybe it would be advantageous to explain to some of the people here how you approached clients. How did you exude the right amount of confidence so they would be confided in you and would be assured that you were going to do as promised?

My examples I gave were strictly generated from my own view point and how I would conduct business with someone who I was not 100% on. I am OCD, anal-retentive, and have higher expectations then probably anyone else in the world, or so it seems at times. In relation to this, I would want to make sure someone had the proper coverage incase they messed up something on my vehicle. I apologize, if I gave out incorrect or false information.

I hope that I did not offend you in any which way, as I said you seem to be a genuine person and a great asset to this site, you among others are why I come back and enjoy spending so much time here. You all are inspirational to us all and help with ideas and tips that we can use on our own vehicles or even translate your words of wisdom into our own lives and situations.

WOW Tundra! I was not offended by any of that at all lol! I was reading and waiting for the gut shot - but took nothing offensive at all in your comment.

I am not sure if this comment was made because I suggested to the other member that if I had I high-end vehicle I would want to see some credentials I would like to explain a little more why I would for his situation vs maybe not for another.

I actually only read the original post and commented from my personal experience, didn't read through everyones responses :/

I cannot remember when exactly you started detailing, was it a year or so ago? Again, I apologize if I am incorrect and do not feel like finding your thread about starting up your business. However, in the beginning, maybe it would be advantageous to explain to some of the people here how you approached clients. How did you exude the right amount of confidence so they would be confided in you and would be assured that you were going to do as promised?

B & B has been a company for just under 2 years now (July 2010). It is easy to exude confidence if you know you will do a great job and can prove it by performing the work. I took knowledge learned at AG and the experienced learned over the years and can now basically talk about any surfaces, chemicals, processes, etc with a potential client. Having the knowledge is step one towards that confidence, then knowing that you can take that knowledge and back it up with performance = confidence :dblthumb2:


I still see don't see anything in your response that can be taken offensive at all man lol! In fact, I feel like it was loaded with compliments :thankyousign: !

 

[tuscarora dave]

I've been through a few different insurance policies for my detailing venture, interestingly enough through the same insurance company but different agents. I've had the wool pulled over my eyes just so the agent could write a policy and make some money. What I mean by saying this is that the specifics have not always been explained by the agent. The current agent that I use was very informative and explained my needs as a sole proprietor and the coverage that he is providing me with.

If I change what I am doing or the value of the vehicles that I am working on, I call my agent and make sure I am still covered and if need be we upgrade to the right amount of garage coverage.

I think Bacon and tkendrick are providing the most useful advice here. Your coverage will be very specific to what you will be doing and the value of the cars that you will be working on.

I think every industry has it's hacks or uninformed representatives whether it be in the auto care or insurance industries. I'm very confident that I am covered for what I am currently doing and Joe Shmoe's insurance coverage is completely irrelevant and useless to me. Bacon is right, don't waste your time here with specific questions about insurance coverage. Go see a reputable insurance agent and have him/her explain your specific coverage amounts/needs.

 

[Newdetailer1]

I want to thank everyone for their input here both negative and positive. I feel I have enough information to move forward. Thanks again!