Auto Detailer General Liability Insurance

General Liability Insurance for auto detailers covers common risks your business might face daily. It protects you from third-party claims like property damage or injuries caused by your work. This policy helps cover the costs of legal fees, settlements, and medical expenses, up to the policy limits. It’s like your financial safety net when something goes wrong, plus, it even helps with defense costs if you’re sued. 

What’s Covered Under Auto Detailer General Liability Insurance

Auto detailer liability insurance covers a range of situations, like:

  • Property Damage: Accidentally denting or scratching a client’s vehicle while working on it.
  • Bodily Injury: If a customer trips over a hose in your workspace and gets injured.
  • Product Liability: Damages caused by the products you use, like paint that fades due to chemicals used in detailing.
  • Advertising Injury: If someone claims you stole their business slogan or advertisement idea, this insurance helps cover the lawsuit.
  • Garage Keepers: (Additional Coverage) A client's car gets scratched while in your care, or a theft occurs while it’s in your garage.

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What Does Auto Detailer General Liability Insurance Not Cover?

Certain things aren't covered under General Liability Insurance. For instance:

  • Employee Injuries: If your worker injures themselves while cleaning a car, that’s a workers' comp issue, not general liability.
  • Damage to Your Own Property: If your detailing equipment or your shop gets damaged, it won’t be covered under this policy. You'd need commercial property insurance for that.

Get Auto Detailer Liability Insurance

USA Insurance, based in Burbank, CA, has nearly two decades of experience in commercial insurance. We offer specialized coverage for auto detailers, ensuring you're protected from all angles. With 99% customer satisfaction and a nationwide reach, our licensed agents are ready to help you find the perfect policy. Whether you're mobile or have a fixed shop, we've got you covered with tailored solutions to fit your unique business needs. 

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