Florida Car Wash Insurance quote and information.

1. How do insurance companies define Car Wash?
2. What risk exposure do Car Wash have?
3. What is the price of Car Wash insurance?
4. Is insurance for Car Wash required in Florida?
5. What coverages are common to Car Wash businesses?
6. Can you provide insurance anywhere in the state?

How do insurance companies define Car Wash?

There are a number of different types of car wash exposures. Some car wash operations are drive-through and others have partially automated conveyance of the vehicle through the wash or full conveyance of the vehicle through the wash. The Florida facilities can offer full hand wash or self-serve. The biggest exposure is damage to the customers’ vehicles. Machinery and washes can break antennas, pull off stripping, crack glass and damage tires. Make sure to get a Florida Car Wash Insurance quote and protect your business.

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What risk exposure do Car Wash have?

Property Exposures

Comes from the machinery and the potential electrical malfunctions and other machinery problems. If a Florida self-service operation, there is always a potential for vandalism. Attendants help cut down on problems. Locations should be on well traveled and patrolled areas that are well lighted. Inland marine exposures come from the Signs and some goods in transit if there is ownership of multiple locations. In addition, there may be computer exposures for office work and for highly mechanized operations, to control the process.

Crime Exposures

May exist in coin- or currency-operated vending operations. Whether or not an attendant is on duty is a factor to evaluate. Frequency of deposit and hours of operation are other crime details to consider. Employee dishonesty is also a concern, and separation of duties is important in order to control.

Premises Liability

Exposure is slip and fall because of the water used and from icing exposure during winter months. There is always the potential for property damage to the vehicles.

Automobile exposures

Is very limited except for the errands that are run in both owned and non-owned vehicles. Any regular driver should have a valid license and an acceptable MVR on record. Florida Workers compensation exposure is highest in hand-wash operations. There is a potential for back injuries or damage from vehicles. The use of soaps and waxes can cause dermatitis.

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What is the price of Car Wash insurance?

There’s no single price, because insurers rate each car wash on its own details. The biggest factors are the ones our quote form asks about: your number of employees and payroll; your annual sales; the square footage of your location; whether you use subcontractors and whether they’re insured; the liability limits you want; and your claims history.

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Car Wash required in Florida?

Florida requires workers’ compensation once a car wash has four or more employees. Owners who are corporate officers or LLC members count toward that number; sole proprietors and partners don’t, unless they choose to be covered (Florida Division of Workers’ Compensation).

Beyond that, the coverage you need usually comes from your lease, your lender or your customers’ contracts, which often require general liability with specific limits. Check those contracts before you sign.

What other insurance should a Car Wash consider?

Commercial Property, Business Income, Accounts Receivable, Computers, Goods in Transit, Signs, Employee Dishonesty, Money and Securities, General Liability, Employee Benefits, Umbrella, Commercial Auto, Garage Keepers, Workers Compensation

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.