A car wash business faces unique risks and perils that can be partially addressed with proper business insurance coverage. Your company’s business insurance needs are specialized, so working closely with an experienced agent is crucial to get appropriate coverage.  

What Types of Insurance Does a Car Wash Need? 

Car washes need insurance coverage to address common risks, including the following: 

• General liability insurance/garage keepers liability may help cover basic risks, such as accidental damage to a customer’s vehicle, third-party injuries occurring on the company’s property and libel or slander accusations. 
• Commercial property insurance may help pay to replace or repair your company’s property after a covered event, such as a fire, storm, vandalism or theft. 
• Commercial auto insurance is required in Missouri for any business that owns or uses vehicles. This policy may help cover your company’s liability for third-party injuries or property damage caused while you or an employee drive a company vehicle. Depending on your coverages, it may also help cover damage to the company vehicle and accident-related injuries sustained by your driver and their passengers. 
• Workers’ compensation insurance is also required by Missouri. This coverage may help pay for medical expenses and lost wages for employees injured or ill in a work-related accident. 
• Cyber liability insurance may help your company recover financially after a data breach or cyber attack. This coverage may help pay for customer notification expenses, data breach investigations and fraud monitoring services.
• Commercial umbrella insurance may help pay for third-party injury or property damage claims that exceed your other coverage limits. 
• Business interruption insurance may help cover your company’s regular bills if you must close to allow for repairs after a covered event. 
• Equipment breakdown insurance may help cover your car wash’s specialized equipment.  
• Employment practices liability (EPL) coverage for defense costs and damages related to various employment-related claims. Examples include, Allegations of Wrongful Termination, Discrimination, Workplace Harassment and Retaliation.