Car wash insurance, written by people who know the class.
Garagekeepers, equipment breakdown, pollution liability, and workers comp for express, full-service, and self-service operators. Lower broker commissions and 24-hour turnaround.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
- 01
Save up to 60% on broker commissions vs traditional brokerages. Identical coverage, lower spend.
- 02
Garagekeepers + equipment breakdown + pollution liability are the lines that get under-written generically. We make sure they actually fit your wash.
- 03
COIs, endorsements, audits, renewals: minutes through the portal, not phone tag.
Carriers we shop in Car Wash
Coverage
What we quote in Car Wash
Garagekeepers
Customer vehicles on premises while in your care, custody, and control. Limits matched to your daily wash volume.
Property + Equipment Breakdown
Tunnel, dryers, vacuums, payment systems. Mechanical/electrical breakdown coverage that pays out when the wash stops.
Pollution Liability
Runoff, chemical storage, and accidental discharge — usually the gap on a stock GL policy.
Workers Compensation
State-specific class codes for car wash labor, including detail technicians.
General Liability
Slip-and-fall on premises, third-party property damage from wash operations.
Business Interruption
Lost revenue if a property loss takes the wash offline. Sized to your weekly throughput.
Frequently Asked
Car Wash insurance questions, answered.
What does car wash insurance typically cost?
Premium depends on wash type (express, full-service, in-bay automatic, self-service), state, payroll, sales, equipment value, and chemical storage volume. Tunnel washes underwrite differently than self-serve bays, and detail operations push WC and garagekeepers up. Final cost is subject to underwriting and the carriers actually writing wash risk in your state.
Do I need garagekeepers insurance for my wash?
Yes if customer vehicles enter your premises and are in your care, custody, or control during the wash or detail process. A standard GL form excludes damage to vehicles you are working on — garagekeepers fills that gap on legal-liability or direct-primary basis. Limits should reflect your highest-day vehicle throughput multiplied by realistic average vehicle value, not a stock $100K default.
What pollution exposure does a wash have?
Runoff into storm drains, accidental discharge from chemical bulk storage, and reclaim-system failures are all standard pollution exposures that the GL pollution exclusion will not cover. A standalone pollution policy or contractors-pollution endorsement is the right placement, especially in states with active environmental enforcement. Many washes also have older USTs or above-ground tanks that need scheduled coverage.
What policies does a car wash need?
A typical wash program includes Property with Equipment Breakdown, Garagekeepers, Pollution Liability, General Liability, Workers Compensation, and Business Interruption. Coverage availability is subject to underwriting — some carriers will not write conveyor tunnels above a certain length, and self-service-only operations price differently than full-service.
How fast can I get a Certificate of Insurance for the landlord or municipality?
Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.
How does Delegance reduce broker commissions?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
Reach us how you work
Same conversation across every channel.
Car Wash insurance guides
From the brokers who place the class
What actually drives car wash insurance premium
How carriers rate express tunnels, in-bay automatics, and self-serve washes: class codes, garagekeepers, equipment values, and what moves price.
Read the guide →Garagekeepers and customer vehicle damage: the coverage most car washes get wrong
Why the GL care-custody-control exclusion bites washes, legal liability vs direct primary garagekeepers, and the claims that actually happen in tunnels.
Read the guide →