If you own a car wash in California, you have a lot of time, energy, and money invested in your business. Do you have the right car wash insurance policy?
Car wash owners have a unique business that needs protection specially designed for all the dangers lurking on your premises. The customer may suffer an injury from a slip and fall accident. A fired employee sues you for wrongful termination or sexual harassment. Your employee crashes a customer’s car into another customer’s vehicle. Any and all of these risks can lead to you being the defendant in a lawsuit. Or, your building burns down, putting you out of business until you rebuild.
The right car wash insurance program protects your business, your employees, and customers from almost any imaginable risk.
The Coverage You Need:
If your car wash is in California, the state insists by legislation, that you have worker’s compensation insurance. The insurance pays for expenses incurred by employees due to a work-related injury or illness.
This insurance pays the owner for damages to the business’s buildings and equipment.
General Liability insurance indemnifies the business and its owner(s) [the insured] for injuries or property damages to others caused by the employees or operation of the business. Think car crash and slip and fall accident mentioned earlier.
Owners who buy commercial property insurance and general liability insurance together are buying a packaged policy – this is what the insurance industry calls it when the two police come from the same company.
If you have a fire, or someone vandalizes your equipment, your business closes until repairs happen. What do you do for an income during this time? – you and the business still have bills to pay.
Buy a business interruption insurance policy. This insurance policy pays you an agreed upon amount of money each week until your business reopens. If you never reopen, there is a limit to how long the policy pays you.
This type of insurance protects you against claims and lawsuits for discrimination, wrongful termination, and sexual harassment.
If an award to a claimant exceeds the limits of your primary liability policies, an umbrella policy picks up the difference. For example, if your personal injury liability policy has a limit of $1 million, and a customer sues you for $4 million dollars and lose, the umbrella coverage pays the difference up to its limit. Most businesses carry at least $5 million in umbrella protection, as it is surprisingly affordable.
Precision Insurance offers car wash insurance in Montclair, Inland Empire, San Bernardino, and Riverside Counties and all other areas of California.
Precision is an independent insurance agency, so we work for you, not one insurance company. We have access to many highly rated insurance companies and put together the best car wash insurance package for your venue based on your needs and our knowledge and experience. Call us today at 909-752-0239.