insurance?

slowjeep · 10-30-08, 08:38

getting ready to start some contracts and I am pretty sure some will ask for insurance(for their own security) so now that's got me thinking if I shoould look locally or online. Suggestions......!?!?!?!

David Fermani · 10-30-08, 08:44

Contact an independant insurance agent and get some advise/quotes? Try to have them give you a Travelers Insurance quote.

KnuckleBuckett · 10-30-08, 09:27

What is a ballpark figure for this type of insurance?

Any particular options that should be selected or not?

weekendwarrior · 10-30-08, 10:23

You will want to look at both General Liability (covers something like if a client were to trip over your buffer cord) as well as Garage Keepers (covers the car itself while it is in your care - even if you are mobile, the car would be "in your care" while you worked on it).

In regards to General Liability, most people start with quotes at $300,000 and go up to the millions. Before you select a coverage amount, you need to think about where you will be working. If you ever plan on working on a dealer's lot (if a client is having you detail a car prior to them taking delivery), or apartment or hotel parking lots, some of these type places typically require anyone working on their property to carry a certain dollar amount in General Liability coverage (typically $1,000,000).

slowjeep · 10-30-08, 10:31

I work at an HVAC parts house during the week, but wash and detail on weekends. I've already let some contractors know the services I will offer but some have asked for insurance and others for a proper bill. I only want to cover myself and one car

KnuckleBuckett · 10-30-08, 01:49

In general what is the cost of such insurance per month or year?

Are we talking tens, hundreds, thousands...?

David Fermani · 10-30-08, 01:52

It's all underwritten per your "exposure". I think a person doing mobile detailing part time

work can get a policy for $500-$1000/year.

baseballlover1 · 10-30-08, 09:00

I pay about 700 a year but mine is unnusually low for some reason... could it be cus my my nationwide leases my from my dads building? haha

Grouse · 10-30-08, 11:14

I pay about 400 a month

bmw808 · 11-22-08, 09:48

I pay about $900/year im mobile covers what I need it to cover, dont want to deal with stuff if something happens, never needed to use it but very good to have, you never know

gtpaul · 11-22-08, 10:49

I pay $900/year canadian for full coverage. Better to be safe then sorry.

07e90 · 11-24-08, 07:34

Mine is $1200 a year, but I'm not mobile. That includes general liability up to $1,000,000.