Called For Insurance Quote - Can't Cover Me

**AutowerxDetailing** · 10-10-2013, 02:06 PM

There have been multiple threads related to "detailing insurance" and what type of coverage you are actually getting which has now got me thinking...

I'm curious, has anyone here ever successfully processed an insurance claim for burning through or otherwise damaging a panel while sanding or polishing? Perhaps many would not want to admit that they've made such a mistake... perhaps "someone you know" has had this experience?

**FUNX650** · 10-10-2013, 02:11 PM

Originally Posted by Nicholas@Autowerx

There have been multiple threads related to "detailing insurance" and what type of coverage you are actually getting...

Hi Nicholas...

Maybe you can help the OP out:
What Insurance Company do have for your Business?

Thanks.

Bob

**zmcgovern45** · 10-10-2013, 02:12 PM

As far as insurance is concerned, how are they to say "paint correction" is any different than "polishing". To me the terms are synonymous. Compounding is the same process as polishing but with more aggressive abrasives... if they were to say they allow you to "polish" but do not cover "paint correction work" then they would need to specify an exact list of products you are allowed to use etc etc... for instance, I just "polished" a car using a 'compound' last week, but I was not doing any severe correction work... the paint was just harder than most.

I understand about wanting to know exactly what you are being covered for, but it really sounds like the insurance company has no idea what you are talking about. I imagine they are picturing you going to town with some heavy equipment and making a mess like in a body shop environment. Did you direct them to your website to see more about what it is that you do?

**erichaley** · 10-10-2013, 02:17 PM

Polishing isn't covered either under a detailing business policy. You'd have to, according to what they said, get a body shop policy.

**zmcgovern45** · 10-10-2013, 02:23 PM

Originally Posted by erichaley

They don't even cover polishing.

I know they didn't in your particular case, I was just speaking in general.

I would classify my work (to an insurance agent or a "average joe car owner") as premium detailing involving machine polishing to produce a clean and glossy finish. While I list my services as "paint correction" on my site... that is the same as telling someone I "polish cars" to me. It's just an endless circle of trying to explain things and insurance may take "paint correction" to mean something much more invasive than polishing therefore I would not use that exact terminology with them.

**zmcgovern45** · 10-10-2013, 02:25 PM

I specifically remember telling my agent that I want to make sure I was covered in the event that my buffer was to accidentally damage a vehicle... her response was yes, however that policy does not cover me if I offer any body work/painting work.

**Squiigii** · 10-10-2013, 03:26 PM

How much are your insurance policies running for per year?

**zmcgovern45** · 10-10-2013, 03:42 PM

Mine is around $400/yr ($1,000,000 general business liability coverage w/ garage keepers coverage etc etc)

**Squiigii** · 10-10-2013, 03:50 PM

Originally Posted by zmcgovern45

Mine is around $400/yr ($1,000,000 general business liability coverage w/ garage keepers coverage etc etc)

What all does your policy cover? What is garage keepers?

Sent from my Prism II using AG Online

**AutowerxDetailing** · 10-10-2013, 07:35 PM

Originally Posted by FUNX725

Hi Nicholas...

Maybe you can help the OP out:
What Insurance Company do have for your Business?

Thanks.

Bob

Bob, I wish I could provide a referral or more helpful advice to help the OP. I have called multiple insurance agencies in my state asking about how to cover my business. I have spent hours and hours talking with different agencies and brokerages and haven't found a policy that covers the types of things being discussed here other than a full garage keepers policy that would run between $3-4000/year.