for the pro's that do it at home

G

gocubbies

New member
i am in the process of starting a home based detail buisness and was just wondering what type of insurance do the rest of you that detail at home have? does the policy cover the car as long as it is in your possesion or just on your property? just trying to prepare in case i have to pick up or drop off a vehicle and something happens while i am driving it. any and all help will be appreciated including what company some of you go through as well as how much it cost and what is covered. if it helps i am in Illinois about 35 miles west of Chicago.





thank you for your help
 
Here is a breakdown of my policy: Mine comes to about 10g's a year You shold exspect to pay between 1-2G's a year for wha your doing.



Garage Policy--$1,599





Coverage Limits Premium

Liability $1,000,000/Accident

Based on 5 full-time and 3 part-time employees





Two Tags--$510 each tag



Liability $1,000,000

Uninsured/Underinsured $300,000

Medical $100,000

Income Loss $25,000

Accidental Death $25,000



Customers Autos-- $1,414



$1,000,000 damage to customers autos

$1,000 Comp Ded

$1,000 Collision Ded

Total Annual Premium $4,958





Workers Compensation





Car Wash/Detailing

Based on $345,000 annual payroll

Total Annual Premium $5,718

Ultraflex

Business Property $75,000 $415

$1,000 Deductible

Theft $35

Auto Repair Shop Enhancement * $60

Mechanical & Electrical Breakdown* $27

Employment Practices Liability* $241

Total Annual Premium $778

*optional coverages
 
The gist is that it covers x=amount of dollars towards a clients car while you "have possession" of their car. It covers the cost for you to be insured up to that amount as you drive the car as well.
 
Jean-Claude said:
The gist is that it covers x=amount of dollars towards a clients car while you "have possession" of their car. It covers the cost for you to be insured up to that amount as you drive the car as well.
Click to expand...



nice. that sounds like what i am looking for. thank you guys
 
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