Insurance for Car Wash and Auto Detailers

Why do car wash and auto detailers need insurance?

The world of car washing and auto detailing is all about making your clients’ vehicles sparkle and shine. However, no matter how much care you may take, there is always a risk for something to go wrong.

Something as simple as having your tools stolen or accidentally damaging client property could have a significant impact on your business not only financially but to its reputation.

Arranging your business insurance has never been easier. At BizCover, we offer insurance solutions to suit the unique needs of your business in minutes. Jump online or give us a call to compare multiple quotes from some of Australia’s leading insurers.

Insurance for Car Wash and Auto Detailers

Public Liability Insurance*

When you are working with the public, there’s a chance for accidents to happen. All it takes is for a client to accidentally trip over a piece of your equipment to trigger a claim. That’s where Public Liability insurance comes into play.

Public Liability insurance is designed to protect your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

Business Insurance*

Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage).

A Business Insurance package can also cover your portable equipment, glass and loss of revenue due to business interruption in specified circumstances.  Other forms of cover that are available include insurance for tax audit, employment practices liability and statutory liability risks.

Some of the types of Business Insurance coverages you may want to consider as a car wash and auto detailer include:

Building*
Covers your building if it was damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy.

Contents*
Cover for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to you at the insured location.

Machinery Breakdown*
Machinery breakdown insurance covers the cost to repair or replace specified machinery following a breakdown.

Portable Equipment*
Portal Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.

Personal Accident and Illness insurance*

Take the time to think about how your business would function if you were unable to work due to an injury or illness. Could you still generate an income to pay for living expenses, rent, bills and business costs?

Personal Accident and Illness insurance can provide levels of cover for loss of income if you are unable to work, suffer permanent disablement and even death as a result of an unexpected injury or illness (even if it occurs outside of your employment).

Management Liability Insurance*

Management liability insurance protects directors and officers and the insured company itself from the many exposures relating to the management of a company. Owners and those responsible for the management of a company have specific responsibilities which can result in personal liability for alleged or actual wrongdoing.

Cyber Liability Insurance*

Cyber Liability insurance helps to protect you from claims and supports your profitability in the event of a cyber breach or attack.