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Car Wash Insurance

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What is Car Wash Insurance?

If you own or run a car wash and want to protect your business, you should know that you can get broad coverage made just for you.

Car wash insurance is made up of a few important insurance plans that are meant to protect against a wide range of possible liabilities.

Car wash insurance protects against damage to cars, injuries, and other typical business risks. Despite how careful you are, you can accidentally damage a customer's car.

Even though a car wash might seem like a low-risk business, it does pose some risks to the owner, the employees, and the customers. If employees slip and fall on a soapy surface, they could get hurt badly. Your building could be damaged by bad weather, costing you tens of thousands of dollars to fix. If a customer gets hurt or their property is damaged at your business, your business could be held responsible.

Why do Auto Detailers and Car Washes need Insurance?

It is very risky to run your business without car wash insurance. When you work at a car wash, you are always working on other people's cars, and accidents are bound to happen. For example, water could leak through a car's sunroof, or a customer could slip and fall on a wet surface. A full-coverage car wash insurance policy will cover these risks, so you won't have to pay too high out-of-pocket fees.

Something is bound to go wrong when you always work on other people's cars. For example, at a car wash, water could leak through the sunroof, or a detailer could damage the dashboard while cleaning it. Insurance policies for auto detailing and car washes protect against car damage, injuries, and other risks.

If a lawsuit goes against a business that doesn't have enough insurance, it could lose a lot of money. Car wash insurance protects you in case a customer's car gets damaged, or someone gets hurt on your property.

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Car Wash Business Insurance Coverage

With the right car wash insurance policy, most of these risks can be taken care of.

General Liability

What you need to cover will come down to the risks you want to protect your car wash. Your policy can help lessen the effects of these and other common risks that come with washing cars.

If a machine breaks down or an untrained worker damages a customer's car, you could be responsible for paying for the repairs. However, car wash insurance protects the business from being sued if a customer's car gets scratched or has other damage.

Commercial Property

If your car wash equipment breaks down unexpectedly, you might have to shut it down for a long time while you plan for new installations. Equipment breakdown coverage helps pay to fix or replace broken equipment so operations can return to normal quickly.

Professional Liability Insurance

This policy, also called errors and omissions insurance (E & O), can help a business pay its legal bills if it is sued for bad work. What is it good for? Facing professional negligence lawsuits or project scope disputes? Having this coverage will take care of that issue. Any mistakes or slip-ups at work will also be covered.

Public Liability Insurance

Public liability insurance protects your business from lawsuits from customers or public members who get hurt because of how you run your business. However, it's cheap because it doesn't offer very good protection. Instead, get general liability insurance if you want something that will cover most of the possible liabilities you might have to pay out to customers and other third parties.

Garage Keepers Liability

Some mobile detailers usually work at big auto shops or garages with many cars. In this situation, the risks are a little bit higher. Some insurance companies offer garage keepers insurance for mobile detailing because of this.

Garage keepers insurance will cover the costs if you are responsible for the cars in the garage and something happens to them. In reality, this insurance will either pay back the owners or help you pay for the costs of repairs yourself. Not only does mobile detailing insurance often include garage keepers insurance, but so does car dealer's insurance.

Business Owner's Policy

This is a single plan that includes both commercial property insurance and general liability insurance. As a result, it's one of the most affordable business insurance plans. What does it cover? It covers injury to a customer, damage to business property, and other outside issues that stop the business from going on.

Worker's Compensation Insurance

Businesses with employees have to have this policy in almost every state. If one of your employees gets hurt on the job, you might have to pay for their medical bills and lost wages. You might even get sued for damages. A good insurance policy will cover the employee's medical costs and pay for lost wages. It also keeps sole proprietors from paying for work-related injuries that their health insurance might not cover.

Equipment Breakdown

At car washes, expensive tools are used to clean cars. It can be hard and expensive to keep the equipment in good shape and fix it when it breaks. If something breaks, the car wash loses money because it can't run without the equipment. With this insurance, you can get money to fix broken equipment.

How much does Car Wash insurance cost?

For a $1 million general liability insurance policy, the average cost of insurance for a mobile car wash business is between $27 and $36 per month or $324 to $432 per year.

The cost of insurance for a car wash can vary. How much the business has to pay will depend on what kind of coverage it buys and how much it buys. In general, policies with more coverage tend to cost more.

Car Wash Insurance Companies

Car Wash Insurance Companies
CoverWallet Business Insurance Simply Business Insurance
Chubb Insurance The Hartford Insurance
Next Insurance Embroker Insurance
USAA Insurance Atlas General Insurance
Thimble Small Business Insurance American Builders Insurance Company: ABIC Insurance
Amica Mutual Insurance Acadia Insurance
Hiscox Insurance Berkshire Hathaway Specialty Insurance
State Farm Insurance Infinity Insurance
Farmers Insurance Liberty Mutual Insurance
Generali Insurance USA AmTrust Insurance
NJM Insurance Berkshire Hathaway GUARD Insurance Companies
Allstate Insurance Employers Insurance
Mapfre Insurance Auto-Owners Insurance
Erie Insurance CNA Business Insurance
Starr Insurance Companies Zurich Insurance
Markel Specialty Insurance Travelers Insurance
Progressive Insurance AAA Insurance

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Will insurance cover car wash damage?

If the car wash does something wrong, their insurance will pay for the damage. But drivers with full coverage can also file a damage claim with their insurance.

Car insurance can pay for damage you cause to other cars and damage to your car in an accident (depending on your coverage). There are different kinds of coverage in every car insurance policy.

The cost of fixing your car will be covered by your comprehensive coverage. If your insurance company decides that the car wash was at fault, you'll still get paid, but your insurance company will probably sue the car wash to get their money back. This is called subrogation.

How to get cheap car wash insurance

Even if you have enough insurance, you might not be getting the best deal. The insurance market is always changing, and companies are always changing their rates and how much risk they are willing to take. Ten years ago, a carrier might have been the best, but now it might not be the most competitive choice.

We always know what's going on in the insurance world, so we can make sure your business gets the best deal. Contact our insurance agents today by phone or through our super app to set up an online consultation to learn about your coverage options and buy a car wash insurance policy!

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


Does comprehensive insurance cover car wash damage?

You can file a claim with their insurance if your car gets damaged at a car wash. But if you have full coverage on your car insurance, you can file a claim for any damage to your car. If the accident was partly your fault and partly the car wash's, your state's laws will decide how any claims will be paid.

How much does car wash insurance cost?

For a $1 million general liability insurance policy, the average cost of insurance for a mobile car wash business is between $27 and $36 per month or $324 to $432 per year.

How to get car wash insurance?

Contact our insurance agents today by phone or through our super app to set up an online consultation to learn about your coverage options and buy a car wash insurance policy!

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Learn more by city and state for car insurance

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