What insurance does a detailing business actually need?

General liability insurance is the near-universal baseline, covering damage you cause to a customer's property or a third party. Beyond that, coverage needs vary by vertical -- marine, elevated pressure washing work, and vehicles in your care, custody, and control often need specific confirmation or add-ons.

Does general liability insurance cover a detailer's own equipment?

Typically not -- general liability covers damage to others' property, not your own equipment against theft or damage. That's usually a separate commercial property or inland marine policy question.

How much does general liability insurance cost for a small detailing business?

Commonly in the $40-$70/month range for a basic policy, though marine work and jobs requiring higher marina-mandated minimums (often $500,000-$1,000,000) can run higher.

Detailing Business Insurance 101: What Coverage Do You Actually Need

A plain-language breakdown of the insurance coverage types a detailing business actually needs, across auto, marine, RV, and pressure washing work.