A detailing treatment damages a customer’s finish. General liability may have exclusions for the very property being worked on.
Why the details matter
You take pride in a perfect finish. Plan for customer vehicles, mobile equipment, and the work around them. The useful starting point is a description of what happens in practice: who is involved, where the activity happens, and which agreements or responsibilities sit behind it.
Three questions to take with you
- What cover addresses vehicles being cleaned, moved, or stored?
- Are paint correction, coatings, and mobile services disclosed?
- Are business driving, wastewater, and chemical storage addressed?
Get the information together
Use current information. If a value, location, activity, or arrangement has changed, point that out rather than relying on the previous policy’s description.
- Service list and mobile operations
- Typical and maximum vehicle values
- Customer vehicle storage arrangements
- Tools and chemical inventory
- Business vehicle details
Read the answer alongside the policy
A general explanation or a certificate may leave important questions unanswered. Ask which wording applies to the specific situation, what is excluded, and what you would need to do if something happened.
Before agreeing to cover
Confirm the named people or entities, start date, territory, limits, deductibles, reporting requirements, and total cost. Keep the proposal and answers for your records. Only the appropriately licensed provider can confirm an offer and arrange the policy.
Open your preparation checklist →