{"id":2220,"date":"2016-03-03T19:00:48","date_gmt":"2016-03-04T00:00:48","guid":{"rendered":"https:\/\/project-011.com\/?page_id=2220"},"modified":"2016-03-13T14:09:57","modified_gmt":"2016-03-13T19:09:57","slug":"auto-wash-business-insurance","status":"publish","type":"page","link":"https:\/\/project-011.com\/?page_id=2220","title":{"rendered":"Auto Wash Business Insurance"},"content":{"rendered":"

AUTO WASH BUSINESS INSURANCE<\/span><\/h1>\n\"Auto<\/a>\n

Auto Wash Business Insurance<\/strong>\u00a0is available for car wash business owners of one or more locations through programs underwritten by carriers rated “A” or better by AM Best. We can also provide auto wash business insurance on a Business Owner Policy (BOP) coverage form. The BOP form is designed to provide comprehensive insurance for\u00a0either self-service or hand wash auto wash businesses. We may also be able to provide coverage to one or more of the variants of the car wash business where the operation is mobile.<\/p>\n

We know that auto wash\u00a0businesses insurance must cover the the unique exposures to loss that car wash businesses are exposed to. \u00a0For example, some\u00a0Car Wash Businesses\u00a0also have\u00a0other operations in addition to the auto wash business and we may be capable of including these operations under one policy. In these cases we may need to more carefully consider the operations that are being conducted in addition to the car wash business but we are able to provide auto wash insurance protection for the business\u00a0under our Business Owner Insurance program in most cases.\u00a0 We are able to offer\u00a0auto wash business insurance\u00a0<\/strong>when reasonable underwriting and management conditions\u00a0are met. We also may use the more flexible CPP policy, especially when multiple locations are involved.<\/p>\n

The versatile Commercial Package Policy or the Business Owners Policy have\u00a0been designed as a package of property, liability, and ancillary coverage that car wash businesses need and the policies can be comprehensive or basic. Auto wash business insurance as provided\u00a0in our business owner policy has been bundled with the most often requested policy provisions into a single policy to provide coverage efficiency and lower cost.<\/p>\n

Auto wash business insurance written under either the CPP or BOP policy forms are\u00a0designed for most car wash\u00a0business operations. \u00a0A general outline of the most common available coverage options for our Auto Wash Businesses insurance programs are shown below as standard or optional coverage:<\/p>\n

Liability on an\u00a0Auto\u00a0Wash Business Insurance Policy
\n<\/strong><\/h2>\n
    \n
  • Bodily Injury and Property Damage, Premises Liability\n
      \n
    • Primary Limits up to $2,000,000\/$4,000,000<\/li>\n<\/ul>\n<\/li>\n
    • Personal Injury and Advertising Liability Coverage<\/li>\n
    • Employment Practices Liability Insurance<\/li>\n
    • Fellow Employee Coverage<\/li>\n
    • Host Liquor Liability<\/li>\n
    • Non-owned Watercraft<\/li>\n
    • Hired and Non-Owned Auto Liability<\/li>\n
    • Products and Completed Operations Liability<\/li>\n
    • Employee Benefits Liability<\/li>\n
    • Ohio Stop Gap Liability Insurance<\/li>\n
    • Cyber liability coverage<\/li>\n
    • Garagekeepers Legal Liability Insurance<\/li>\n<\/ul>\n

      Regardless of business type, liability insurance protects against the tort of negligence that arise from business operations and it is no different for auto wash business insurance.\u00a0 The tort of negligence is a breach of duty\u00a0that is derived from common law principles that have evolved through decades and even centuries of recorded decisions about our relationships with one another.\u00a0 It is no different for car wash business operations. A duty is an obligation we owe to someone else.\u00a0 In essence, we owe each other the duty to protect them from the consequences of our actions and when someone is hurt or suffers harm to either body, property, or reputation, in our culture we boil down our grievances to a monetary settlement in most cases.\u00a0 In the case of the liability coverage provided in our auto wash business insurance\u00a0policy, we will pay for the benefit of a legal defense against the claims of injury or damage and we will also pay the amounts that become due to another because a finding of your negligence has occurred through legal proceedings or an agreement accomplished through the negotiations of your insurance carrier and the other people involved in the claim.\u00a0 This includes bodily injury and property damage as a result of events on the premises, through acts on and away from the work facilities, injuries caused by products, advertising injury, personal injuries other than bodily injury, hired and non-owned auto liability, and injury or damage caused due to computer intrusion and compromise when chosen.<\/p>\n

      Property Coverage
      \n<\/strong><\/h2>\n
        \n
      • Buildings, Fixtures, Building Improvements including multiple locations<\/li>\n
      • Business Personal Property including\u00a0Property Service Equipment<\/li>\n
      • Building Limit Automatic Increase<\/li>\n
      • Valuable Papers and Records<\/li>\n
      • Accounts Receivable Coverage<\/li>\n
      • Computer Coverage and Cyber Crime<\/li>\n
      • Outdoor Signs\u2014Attached and Detached<\/li>\n
      • Building Ordinance or Law Coverage<\/li>\n
      • Off-Premises Coverage for Business Personal Property, including Property in Transit<\/li>\n
      • Earthquake Coverage (Some carriers)<\/li>\n
      • Business Income, including Extra Expense Coverage<\/li>\n
      • Coverage For Water Back-up<\/li>\n
      • Equipment Breakdown<\/li>\n<\/ul>\n

        Property insurance is required to be included when a car wash business owner policy is used.\u00a0 If you own the building we must include the building.\u00a0 We must include the business personal property, stock and fixtures because the auto wash business insurance policy is a package policy that requires both liability and property coverage be included to maximize discounts.\u00a0 The reason the BOP policy is cost effective is the large package credits that are built into the premium for combining more coverage into one policy.\u00a0 The package of coverage is easy to issue and maintain than an assortment of separate policy forms and coverage.\u00a0 The business owner policy provides a lot of coverage in a tidy package and it is flexible enough to handle several locations and variety of situations for building, business personal property, computer and cyber-crime needs, signs, coverage on or off premises, loss of business income, and break down of critical building mechanical systems that may alter your ability to operate. We love writing auto wash business insurance.<\/p>\n

        Inland Marine and Special Property<\/strong><\/h2>\n

        (See IM Section for more Details)<\/strong><\/h3>\n

        Mobile equipment and property that leaves the premises is best covered with an inland marine endorsement that is designed for equipment that may float to where you actually do your work.\u00a0 Mobile car wash business have special concerns about mobile equipment and tools they use. Certain equipment that is mobile in nature and leaves the business premises will find the broad coverage of the inland marine policy endorsement that are the best method of insuring this type floating and mobile type of property. In those instances where your property leaves your immediate premises your auto wash business insurance\u00a0<\/strong>is able to be amended to include this unique mobile equipment exposure. This becomes very important to mobile auto wash businesses.<\/p>\n

        Umbrella Liability<\/strong><\/h2>\n

        Umbrella liability is an additional limit of coverage that protects for damages that exceed primary policies and sometimes losses that were not covered in the primary policies but were not excluded by the language of the umbrella policy.\u00a0 Umbrellas covering over auto wash business insurance programs\u00a0provide the additional coverage flexibility. Carriers writing the underlying BOP will often write umbrella liability for Car Wash Businesses.<\/p>\n

        Crime and Fidelity<\/strong><\/h2>\n
          \n
        • Employee Theft<\/li>\n
        • Crime Inside<\/li>\n
        • Crime Outside<\/li>\n<\/ul>\n

          The loss of money through theft, robbery or burglary, or the dishonesty of an employee are losses that can cripple a small\u00a0business so tailoring\u00a0your needs for crime and fidelity coverage can be done within the Business Owner Policy or CPP to create the ideal\u00a0auto wash business insurance policy protection.<\/p>\n

          Business Auto<\/strong><\/h2>\n

          (See business Auto Section for Details)<\/strong><\/h3>\n

          When your car wash business operates business vehicles it is important to insure the vehicles with liability protection just like the premises and operations. \u00a0Auto wash business insurance\u00a0can be written to include both the vehicles used by owners and managers, but any vehicles you must operate to conduct your business operations. This is usually accomplished with a Garagekeepers legal liability endorsement to your auto wash business insurance. The business auto coverage is dealt with in great detail in the business auto section.<\/p>\n

          Professional Advice and Agency Service<\/strong><\/h2>\n

          Quality coverage begins with understanding your needs and the extent of your operation.\u00a0 I have 37 years of experience working with business owners and have a unique and special connection to\u00a0car wash business owners and their business insurance needs since my father operated a hand car wash as a part of his auto service business for almost 50 years.\u00a0I love writing auto wash business insurance\u00a0and their business owners. This agency represents quality carriers that have the ability to provide the coverage your business needs whether or not it is ultimately provided inside of our Business Owner Policy or our more flexible Commercial Package Policy (CPP) option.\u00a0 Call and ask for Terry McCarthy at (513) 779-7920, 9-5 Monday \u2013 Friday most days. We are conveniently located at 8114 Paul Manors Dr in West Chester, OH 45069.<\/p>\n","protected":false},"excerpt":{"rendered":"

          AUTO WASH BUSINESS INSURANCE Auto Wash Business Insurance\u00a0is available for car wash business owners of one or more locations through programs underwritten by carriers rated “A” or better by AM Best. We can also provide auto wash business insurance on a Business Owner Policy (BOP) coverage form. The BOP form is designed to provide comprehensive […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":85,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"tpl-auto-trades.php","meta":{"footnotes":""},"class_list":["post-2220","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/2220","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2220"}],"version-history":[{"count":5,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/2220\/revisions"}],"predecessor-version":[{"id":2303,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/2220\/revisions\/2303"}],"up":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/85"}],"wp:attachment":[{"href":"https:\/\/project-011.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2220"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}