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McInturf-Fulmer-Auto-car-wash-insurance-coverage

Business Owners Plus

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


Automatic Coverages*

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.

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Please note that NO changes to your policy or coverage are binding by submitting Online Forms & Requests. Change requests will only be considered bound upon confirmation from your Broker/Agent.