Protecting Your Sudsy Investment: Car Wash Insurance That Works
Why Car Wash Insurance Matters
Running a car wash may seem like a straightforward business — clean cars, happy customers, repeat. But beneath all that soap and shine is a serious operation with real risks. Whether you’re operating a single self-service bay or a full-service tunnel wash with employees, one thing’s for sure: you need car wash insurance to protect your investment.
From mechanical breakdowns and slip-and-fall claims to property damage and employee injuries, the potential for costly incidents is real. That’s where Stubbs Insurance & Financial Services comes in — helping you create a custom insurance plan that keeps your business secure no matter what bubbles up.
General Liability
Covers injuries and damages if a customer slips, trips, or experiences vehicle damage while on your property.
Equipment Breakdown
Helps pay for repair or replacement of your car wash machinery if it fails unexpectedly.
Commercial Property
Protects your building, bays, signage, and fixtures from fire, storm damage, vandalism, and more.
Workers’ Compensation
Covers your team in case of work-related injuries and helps you stay compliant with state laws.
Real Risks in the Car Wash Industry
It’s easy to assume car wash businesses are low risk — but the reality is, they’re more complex than they look. Water on concrete equals slippery floors. Heavy machinery can malfunction. Customers sometimes blame your business for damage their car had before it even entered the wash. And let’s not forget power outages or weather that can shut your operations down.
Car wash business insurance helps you avoid turning a single incident into a financial disaster. Instead of scrambling to cover unexpected costs, you’ll be back in business faster — and with peace of mind.
How Much Does Car Wash Insurance Cost?
Costs can vary depending on your setup — are you operating a self-service wash, in-bay automatic, or tunnel system? Do you have employees? Are you open 24/7? Here's a general breakdown of what some typical coverages might cost for small- to mid-sized operations:
| Coverage Type | Average Monthly Cost |
|---|---|
| General Liability | $60 - $100 |
| Commercial Property | $80 - $150 |
| Equipment Breakdown | $40 - $90 |
| Workers’ Compensation | $100 - $250 (based on payroll size) |
| Business Interruption | $30 - $70 |
Every car wash is unique, so we always recommend reaching out for a custom quote tailored to your business.
Common Scenarios Where Coverage Saves the Day
Let’s walk through a few “what if” moments that insurance can help cover:
- A customer claims your brushes scratched their vehicle. Your liability coverage can help cover the claim and any legal fees.
- Your wash system breaks down mid-week, halting business. Equipment breakdown and business interruption coverage can help you recover revenue and get back on track.
- An employee slips on a wet floor and is injured. Workers’ compensation steps in to handle medical bills and lost wages.
None of these are fun to deal with — but they’re a lot easier with the right protection in place.
Let’s Customize a Policy Just for You
Whether you’re just opening your first location or expanding to your fifth, Stubbs Insurance & Financial Services is here to help you build a car wash insurance policy that fits. We’ll walk through your risks, explain your options, and help you find the right balance of coverage and cost — no pressure, no fluff.
We get that your time is valuable. So whether you're ready to chat now or just want to explore your options, we’re here when you are.
Get in Touch with Us Today
Running a car wash is hard work. Protecting it shouldn’t be. Let us take one more thing off your plate with coverage that’s smart, simple, and built for real life.
Call 512-238-6100 or click below to get started on your custom quote.