Insurance built for detailers, shop-based or mobile
A ceramic coating gone wrong, a customer's leather seats damaged by the wrong chemical, a van full of equipment broken into overnight — detailing has its own risk profile. We connect you with specialists who understand it.
America's Trusted Auto Detailing Insurance Experts
Licensed specialists who know your local requirements and carriers — not a generic national script.
“I run a mobile detailing van, not a shop — most insurance people didn't know what to do with that. They matched me with someone who actually covers mobile operators.”
Marcus T. · Mobile Detailer · Tampa, FL
Where auto detailing get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksChemical damage to paint or interior surfaces
The wrong solvent, compound, or heat setting can etch clear coat or discolor leather in minutes. Garagekeepers coverage responds to damage to a customer's vehicle while it's in your care.
Ceramic coating and paint correction disputes
A coating applied over unaddressed swirl marks or contamination can trigger a comeback claim. General liability's completed-operations coverage responds to quality disputes that surface after the job.
Mobile equipment theft or accident exposure
Mobile detailers carry pressure washers, generators, and steam equipment in a vehicle that's also driving from job to job. Commercial auto and inland marine cover the van, the drive, and the gear inside it.
Customer injury on-site
Wet surfaces, cords, and equipment at a client's driveway or your bay create slip-and-fall exposure. General liability covers medical and legal costs if a customer or bystander is injured.
Why auto detailing can't skip coverage
- A standard personal auto policy doesn't cover a vehicle used to haul commercial detailing equipment between paying jobs — mobile detailers need commercial auto, not a personal policy stretched to cover business use.
- Garagekeepers coverage — not general liability alone — is what protects a customer's car while it's in your bay or driveway for a full detail.
- Many high-end ceramic coating and paint correction jobs involve enough vehicle value that a single damage claim can exceed a typical small business's out-of-pocket capacity.
By the numbers
XX
Detailing-specific claim data
$18.7B
U.S. car wash & detailing market
55+
Specialists in our network
What auto detailing need to be covered
Whether you run a fixed bay or a mobile van, detailing means working directly on someone else's vehicle with chemicals, buffers, and steam equipment that can go wrong fast. A damaged interior or a botched paint correction can cost more than the job was worth, and mobile operators face exposure a shop-based policy doesn't anticipate. The right coverage protects the vehicles you touch and the equipment you depend on.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Garage Liability & Garagekeepers
Covers liability from operating an auto-service business plus damage to customer vehicles left in your care, custody, or control.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
Inland Marine
Covers tools, equipment, and goods while in transit or away from your primary location — beyond standard property limits.
Business Owner's Policy (BOP)
Bundles general liability and commercial property into one cost-effective package built for small businesses.
Auto Detailing insurance FAQ
Yes. A personal auto policy typically excludes business use, and mobile detailers also need liability and garagekeepers coverage for the vehicles they work on at each stop, not just the van itself.
Get matched with a auto detailing business specialist
Share a few details and a licensed agent who understands auto detailing will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state