NEXT is now ERGO NEXT Insurance, uniting digital-first innovation with Munich Re's global financial strength.

Car Wash Insurance

Sparkling savings on business insurance

Choose your primary coverage to get started:

Car wash insurance designed to protect your business

NEXT’s business insurance can help protect you from out-of-pocket costs related to accidents, injuries, legal fees and damaged vehicles at your car wash. Our insurance packages typically include:

  • General liability
  • Garagekeepers liability
  • Faulty work
  • Commercial property

We’ll help you get the car wash business insurance coverage you need

It’s all about managing your risk. See the different policies available for self-service, attended or automatic car wash insurance.

General Liability

General Liability

Bought by most car wash owners

General liability is the main coverage you’ll need if you’re in the business of keeping cars looking their best. You’ll have financial protection if someone other than an employee gets hurt or if you’re held responsible for damaging someone’s property. If a customer’s car gets stuck in a wash bay and the mirrors are ripped off, general liability could help pay for repairs. And if a customer’s kid steps outside the car during an automatic wash, slips and breaks his arm, you would have financial help if there’s a lawsuit.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Commercial Property

Commercial Property

For business owners with expensive equipment

Commercial property insurance helps to cover all the inventory, gear and equipment you own or rent to run your car wash. If your automatic conveyor is damaged in a fire, property insurance can help with the repair or replacement cost.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
Faulty Work

Faulty Work

Coverage for professional mistakes

Faulty work insurance helps to cover expenses and financial losses if you are accused of making a mistake with your work. If a customer leaves the keys in a car and it gets stolen, faulty work would help to defend you against the claim.

faulty work can help you pay for:

Redoing a job that wasn’t up to par
Legal defense costs
Professional negligence (actual or alleged)
Garagekeepers Liability

Garagekeepers Liability

Included with general liability in Pro and Pro Plus packages

Garagekeepers can help to cover expenses if you damage a customer’s vehicle. If your employee drives a customer’s car into a payment kiosk and accidentally dents a fender, garagekeepers insurance would help to cover the repairs to the body of the car.

garagekeeper liability can help you pay for:

Dents and scratches
Vandalism
Fire or extreme weather

What customers say about us

Convenience and great coverage.

I shopped around and was surprised that I was able to get a policy with great coverage for much cheaper than the other companies. The process was very easy and having access to my ...

Adam W.

Easy Peezy!

I needed to get insurance immediately for my new auto detailing business. I went online found NEXT, applied and received instant approval with no "hoops" to jump through. The initi...

Bernard W.

Easy Process and Great Price

Next gave me a great quote at a great price. My insurance documents where provided immediately. Such an easy process to get what you need for your business.

Shawn K.

Fast and easy for small

Fast and easy for small business

Gersain Z.

They made it very easy

They made it very easy to get insurance and pay. Very good price for yearly.

Vincent T.

Easy to set up!

Very pleased with the ease to get insurance! No hassle, straight to the point!

Zachary M.

Get some now!

So easy and simple

Julian D.

All good

I like the ease of obtaining Next.

Kevin L.

Convenience and great coverage.

I shopped around and was surprised that I was able to get a policy with great coverage for much cheaper than the other companies. The process was very easy and having access to my ...

Adam W.

Easy Peezy!

I needed to get insurance immediately for my new auto detailing business. I went online found NEXT, applied and received instant approval with no "hoops" to jump through. The initi...

Bernard W.

Save up to 10% with bundled car wash insurance

You can pay for your car wash insurance monthly or annually and you can cancel at any time.

Basic
Lowest Price
General Liability
Per occurrence
$500,000
Commercial Property
Per occurrence
$300,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$300,000
Garagekeepers Liability
Per occurrence
$50,000
Faulty Work
Per occurrence
$1 million
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$300,000
Garagekeepers Liability
Per occurrence
$100,000
Faulty Work
Per occurrence
$1 million
How much does car wash insurance cost

How much does car wash insurance cost?

You can save up to 25% in discounts when you buy car wash liability insurance with NEXT. The exact amount you pay will depend on:

  • Whether you have a mobile unit or a physical location
  • If your business is self-serve, attended or automatic
  • The amount and value of equipment at your car wash
  • If you bundle more than one type of coverage
Car wash insurance requirements

Car wash insurance requirements

Car wash owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Open a location. Business loans and commercial leases will often require you to have insurance.
  • Protect your customers’ vehicles. Garagekeepers insurance helps to cover the repairs to the body of the car.
  • Defend your business. Cover yourself for professional errors (actual or alleged).
  • Repair or replace property you own or rent. Protect your equipment, inventory and the building that you lease or own.

Frequently asked questions about car wash business insurance

Here are some of the most common questions we get about self-service car wash insurance, attended or hand car wash insurance and mobile car wash insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect car wash owners?

Our car wash liability insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You reverse a customer’s car too quickly and flatten a neighboring fence. General liability coverage gives you financial protection if you are held responsible for damaging property.**

Customer injuries

A customer slips on a wet floor, fracturing their wrist. General liability helps with expenses if someone other than an employee gets hurt.

Damage to vehicles at your car wash

Your automatic wash malfunctions and scratches the paint on a customer’s car. Garagekeepers coverage, which can be added to general liability, could cover repairs to the vehicle.

Professional mistakes

A customer files a lawsuit over damage that occurred to her vehicle while it was being detailed. Faulty work insurance could help to defend you against the claim.

Damage to your own property

A fire damages your cashier’s station and nearby merchandise. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.