A detailing studio and an auto-glass installer do not create identical risks. Describe every service, location and vehicle-handling practice so the submission reflects the actual business.
Customer vehicles in your care
Confirm who receives the keys, who may move vehicles, where work takes place and whether vehicles remain overnight. Pickup and delivery, road activity, off-site storage and the maximum individual and total vehicle values should be included in the review.
Detailing, coatings and vehicle care
Interior detailing, paint correction, ceramic coatings and related services can involve chemicals, heat-producing tools, water and work on high-value finishes. Disclose the products and processes used, ventilation and storage practices, mobile work and any subcontracted services.
Glass replacement and calibration
Auto-glass businesses should describe whether they repair or replace glass, work from a fixed location or mobile unit, and perform or subcontract vehicle-system calibration. Installation work, transported stock and documentation practices can affect the property and liability review.
Mobile and off-premises operations
Mobile work shifts tools, stock and liability exposures away from a fixed shop. Review service vehicles, tools and glass in transit, work at customer locations, weather procedures and whether employees ever drive customer automobiles.
Equipment, stock and interrupted income
Detailing equipment, water systems, compressors, calibration tools, glass inventory and tenant improvements should be valued realistically. Business interruption and equipment breakdown options should reflect how long a damaged workspace or critical system could disrupt revenue.
Practical loss-prevention controls
The submission should describe how the business secures keys and customer vehicles, controls public access to work areas, stores chemicals and used rags, reviews drivers and protects mobile tools or glass stock. For outdoor or overnight vehicle storage, include lighting, fencing, alarms, cameras and key-control procedures that are actually in place.
- Secured key-drop and key-storage procedures
- Employee-only work areas and visitor controls
- Safe storage for chemicals and solvent-soaked materials
- Driver-abstract review for pickup, delivery or road activity
- Protection for vehicles, tools and stock at fixed and mobile locations
Prepare a useful submission
Bring the current policy and loss history, annual revenue and payroll, a full service list, locations, driver information, maximum customer-vehicle values, property values and details of mobile or subcontracted work. Clear information helps the broker identify suitable insurer options and compare terms.
Common questions
Does a mobile detailer need a different review?
Mobile operations add transit, off-premises property and customer-location exposures. Describe the service vehicle, equipment, products, work locations and any customer-vehicle driving.
Should auto-glass calibration be disclosed?
Yes. State whether calibration is performed in-house or subcontracted and how the work and vehicle movement are documented.
Do high-value customer vehicles affect the submission?
They can. Provide realistic maximum individual and total vehicle values along with security, key-control and overnight-storage details.
Can detailing and glass services be insured together?
Potentially, subject to insurer acceptance. Every service, location and mobile operation should be disclosed so the proposed coverage reflects the complete business.
Primary sources
Use the current official wording and your own certificate when making a coverage decision.