Car Wash Insurance

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

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

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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

Learn more

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.

Garagekeepers Liability can help you pay for:

Dents and scratches

Vandalism

Fire or extreme weather

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)

How much does car wash insurance cost?

You can save up to 30% 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

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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.

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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’ll 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, would 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 would 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?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.