Compare business insurance quotes with Savvy to find the best policy for your car wash or auto detailing business.
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There are many different types of car washing businesses in Australia, ranging from static hand car washing services to mobile car valeting businesses and fully-automatic car washes with their colourful spinning brushes and sheets of soapy water. What all these businesses have in common is the need for good business insurance to protect their owners against all eventualities.
You can compare quotes for many types of business insurance here with Savvy. Just answer a few simple questions about your business and the insurance you need and you’ll have a wide range of offers to consider instantly from some of Australia’s most respected insurers. Compare with us to help you get the best-value insurance for your car wash or auto detailing business today.
There are several types of business insurance you should consider if you are running a car wash or auto detailing business. They include:
Public liability insurance
Public liability insurance is essential for anyone who regularly has contact with the public and their property. In the case of a car washing business, auto detailers are trusted to look after cars worth tens of thousands of dollars daily, so this form of insurance is essential.
Public liability insurance will cover you against claims that your activity caused injury to a member of the public or damaged their property. This insurance can offer between $5 million and $20 million worth of cover. It’s compulsory for car washers in many jurisdictions to have such insurance before they’re permitted to operate.
What it covers:
Business insurance
General business insurance describes a package that can include many different forms of insurance which are also valuable to a car wash business or auto detailer. These include the following types of insurance which can be packaged together in a bundle:
What it covers
It’s also possible to choose the level of cover you require for your business equipment: either fully comprehensive, which covers you for all named events and accidental damage, or insured events only, which doesn’t include protection against accidental damage.
Personal accident and illness insurance
Since car cleaning and auto detailing is quite a physical occupation, you rely on your physical fitness to be able to do your job properly. Therefore, taking care of your health should be a high priority if you earn your living washing and detailing cars.
Accident and sickness insurance can provide cover for you if you become sick and are unable to work, with replacement income paid out if you are unable to work as a result of an accident or injury.
What it covers:
Optional extras can include:
What isn’t covered under my car was business insurance?
The most common general exclusions include:
There is no set cost for insurance, as each applicant and business is different and faces unique risks. Many factors influence the cost of business insurance, including the following:
The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses, and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another.
The best way to find out how much insurance will cost for your car washing business is by comparing quotes right here with Savvy. Whether you need insurance for a mobile car detailing business or for luxury valeting, you’ll be able to find a policy that is perfect for your business needs here.
You’ve worked hard to build up your business, so it makes sense to want protection in case things go wrong. If you own a static car wash business, a serious mechanical failure that takes days to repair can lead to a sudden loss of income, which can be devastating for a small business. Business insurance offers protection in case anything happens which could threaten your business.
Most small to medium-sized businesses have some contingency funds, but they rarely have sufficient to cover the cost of a major catastrophe. For example, if your car wash business in the Gold Coast was suddenly shut down by mechanical failure, how long would you be able to survive? If this does happen and you have adequate breakdown insurance to protect your business, you’ll have a much better chance of recovering and getting back on your feet.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
