Is your insurance coverage spotty?
Buff your coverage to a spot-free shine with McInturf-Fulmer Insurance Group’s Businessowners PLUS Car Wash Program, where our comprehensive insurance coverage is specifically designed to meet the needs of your car wash business.
Policy coverage highlights include:
- Equipment Breakdown Coverage – Our policy protects your car wash operation against the breakdown of mechanical, electrical and production equipment due to electrical disruption, pwer surges and short circuits, as well as steam boiler explosions.
- Business-Interruption and Extra Expense – Covers actual loss sustained for 12 months.
- Vacuums islands, fences, light poles, lighting equipment and canopies included in building coverage.
- Garagekeeper’s Legal Liability – Covers direct physical loss to a customer’s auto at the actual loss sustained. An option to purchase Direct Primary is available.
- Legal Liability for Damage to Real Property Caused by an Auto - $10,000 per accident
- Loss of Use – Covers a customer’s auto that is stolen or damaged while in your care.
- Liability coverage for operation of customer’s auto while on insured’s premises.
- Mechanics’ Errors & Omissions Liability - $25,000 Covers faulty workmanship or defective products on an auto in the event of property damage.
- Product Defects Coverage
- Hired and Non-owned Auto Liability
- Hired Auto – Physical Damage
- Comprehensive Identity Management Services
Eligible Businesses Include:
- Locations with 15 or fewer full-time employees
- Gross Annual Receipts may not exceed $4,000,000 per location
- Annual payroll not to exceed $600,000
- Accounts Receivable - $15,000
- Automatic Liability Coverage for Newly Acquired Car Washes – 90 days
- Business Personal Property Off-Premises - $15,000
- Damage to Premises Rented to You - $100,000
- Employee Dishonesty - $10,000
- Fire Department Service Charge - $5,000
- Fire Extinguisher System Recharge - $5,000
- Forgery or Alteration - $2,500
- Identity Theft Expense Coverage - $2,500
- Increased Cost of Construction - $10,000
- Medical Expenses - $5,000
- Money & Securities – Inside/Outside - $5,000/$2,000
- Money Orders & Counterfeit Money - $1,000
- Newly Acquired Locations – Business Income - $5,000
- Newly Acquired or Constructed Buildings - $250,000 and 30 days
- Outdoor Property - $5,000
- Outdoor Signs - $5,000
- Reward Payment - $5,000
- Valuable Papers & Records – Off Premises - $5,000
- Valuable Papers & Records – On Premises - $10,000
- Water Back-Up & Sump Pump Overflow - $5,000
- *Insurance coverage by McInturf-Fulmer can be tailored to provide specific coverages for your car wash operation needs. Most of the coverages included can be increased and other coverages added to round out your policy. A bundle of coverages can be added by purchasing the BOP Platinum Plus Endorsement.