detailing without insurance

[sparklingwater]

Hi I am going to be detailing but basically just part time in my own garage. Maybe only a few cars a week or a couple on the weekend. Below i'll list what i was quoted which i think is not bad but i was wondering how many of you actually detail without insurance and how many of you who detail without insurance and those who have insurance actually file claims or have accidents that you need to pay for out of pocket or file with ins. company? I am leaning towards just trying to be really carefully without insurance......advice is welcome. Many thanks beforehand!


What i was quoted
Garage Liability limit $500,000.
- Garagekeepers limit $100,000. max on lot, $50,000. max per customer's auto (no towing or transporting covered)
- Garagekeepers deductibles $500.00 ded Comp and $500.00 ded Collision.
- Garagekeepers deductible due to theft of customer's vehicle is $1,000

[Opiy]

Subscribing to this because I am curious also.

[Big Boi]

Originally Posted by Opiy

Subscribing to this because I am curious also.

X2

Sent from my Galaxy Note II using AG Online

[FUNX725]

Originally Posted by sparklingwater

I am leaning towards just trying to be really carefully without insurance......

Instead of going off on some:
Accidents will happen...OOOPS:
"There goes all of my earthly belongings"/lawsuit tangent...

Here's a couple of: Insurance threads...you may find interesting:

A few insurance questions

Insurance question


You can find plenty more insurance information threads...including some horror-stories...
By typing: insurance, garage-keeper, and the like...
Into the AGO Search function-box



Bob

[Pureshine]

I have insurance for my business and its only $28 a month through State Farm. It covers any damage I do to the car or if its stolen it also covers all my supplies. Even if your doing it part time not having insurance is just stupid.

[jpegs13]

If you don't get paid for detailing, it's a hobby. If you get paid, it's a business. If you have a business, get insurance.

[JimB204]

Would you rather have it and not need it or need it and not have it?

It only takes one accident to turn your life upside down, and we all know accidents happen. I wouldn't start working for money without insurance.

[rustytruck]

I only do detailing part time and seasonal (no winter detailing to cold). So my insurance cost is like 15-20% of what I gross for the year so it is expensive but necessary. The internet is great for getting me customers but I know nothing about these people and I have no idea what their intentions are. They may booking an appointment as a scam where they are going to try to blame me for something that was already wrong with their car. Unfortunately there are a lot of dishonest people out there. If you are going to detail ONLY for people you know and they are going to be helping you (working alongside You) then insurance is not necessary. If you have a website and going to deal with strangers and money is involved it is a MUST.

Insurance is not to protect your customers car but to protect yourself from lawsuits or major out of pocket expenses.

[BillE]

Some good advice given here. When in doubt, CYA!

Even though I don't detail for pay, I do (and will) work on friends and family for 'free.' Even then, I have them sign off a "not responsible for damage" type of statement.

As I said above, CYA!

Bill

[scrace]

If you're going it for money (a business) you will probably also need a license and your property re-zoned. Check your local laws.