What Insurance Do Saskatoon Mobile Auto Spas Need?

January 9, 2025 / 5 mins read

Your mobile auto spa goes directly to your customers to clean their vehicles. A customized insurance package will protect your Saskatoon mobile auto spa from financial losses due to third-party (customer or supplier) claims.

When you’re providing your mobile auto detailing services, there’s potential for damage to cars, mishaps, or other incidents that could lead to legal or expensive damage claims against your Saskatoon mobile auto spa.

If you own a mobile auto detailing business in Saskatoon, your Western Financial Group business insurance expert will get you commercial coverage that uniquely protects your business and its risks.

Western is a trusted, national insurance brokerage that has partnered with Canada’s top insurance companies to provide commercial insurance. We work with our insurance partners to find the best business coverage for your needs.

We make the process easy by getting insurance quotes for you and giving you policy coverage options that you can choose for your Saskatoon mobile auto detailing business.

What is insurance for Saskatoon mobile auto spas and auto detailing businesses?

Insurance for Saskatoon mobile auto spa owners and mobile auto detailing businesses is a package of insurance coverages that provide financial protection against lawsuits alleging damage to customers’ cars/property or injury, as well protection against reputational harm.

Auto detailing insurance for your Saskatoon mobile auto spa helps you deal with unexpected accidents or legal issues that irreparably hard your business.

How much does insurance cost for Saskatoon mobile auto spa businesses?

There isn’t one price to insure a Saskatoon mobile auto spa detailing businesses.

The following factors are usually considered when determining the cost of your Saskatoon mobile auto detailing insurance:

  • Your location(s)
  • Services you provide
  • Your equipment
  • Annual revenues
  • Number of employees
  • Any past claims

As a Saskatoon mobile auto detailing operator, here’s how commercial insurance protects you from the risks associated with your business:

  1. While cleaning the exterior of a customer’s vintage car, you accidentally scratch one of its doors. Your commercial general liability (CGL) insurance can help cover repairing the damage to the scratched door.
  2. Your Saskatoon client list and their credit card information was stolen by cyber thieves. Cyber liability insurance can help you recover financially from a cyber-attack.
  3. Your tools equipment for your mobile auto spa were stolen from your Saskatoon business’s storage warehouse. Tools and equipment insurance will help cover the cost to replace them. Any item valued at less than $1,500 is considered a tool. Anything valued above $1,500 is considered equipment.
  4. A client says the chemicals that you used to clean and buff his car, killed some plants and a big patch of lawn. Pollution liability insurance helps cover costs to clean up pollution caused by your auto cleaning work. It can help pay for clean-up costs, civil fines, and any emergency response expenses.

Commercial general liability (CGL) insurance

This is necessary liability insurance for Saskatoon mobile auto detailing businesses. Without commercial general liability insurance, you will pay costs related to third-party injuries or damage out of your own pocket.

If you were sued, commercial general liability insurance would cover the legal costs to defend the claim against your Saskatoon mobile auto detailing business in court, as well as costs to cover damages to compensate third parties.

What kind of risks does commercial general liability insurance cover?

  • Injury to a third party who is not your employee
  • Damage to someone’s property
  • Damage to rented property
  • Medical bills if someone is injured
  • Legal costs and settlement costs of liability lawsuits filed against you
  • Liability lawsuits related to slander and libel

You should also make sure that any subcontractors you work with have their own CGL insurance. If a subcontractor damages property or causes a third-party injury at a mobile auto spa job, you could be held liable.

Garage liability insurance

This type of insurance provides coverage for damage to a customer’s vehicle while in your care, custody, and control. It’s also designed to compensate your customer if you had to take the vehicle to your auto detailing shop and it gets stolen from those premises.

Tools and equipment insurance

It provides financial protection for any transportable tools or equipment that your mobile auto spa uses to do work.

Tools and equipment Insurance can provide reimbursement to repair or replace tools if they are lost, damaged, or stolen. Insured events apply to tools and equipment that are vandalized, stolen, lost, or damaged by fire or flood.

Any item valued at less than $1,500 is considered a tool. Anything valued above $1,500 is considered equipment.

Pollution liability insurance

Pollution liability insurance helps cover costs to clean up pollution caused by the work that your Saskatoon mobile auto spa business does. It can help pay for clean-up costs, civil fines, and emergency response expenses.

Commercial property insurance

Commercial property insurance can provide financial coverage in the case of a fire that destroys or damages your auto detailing office/headquarters and its contents.

Commercial property insurance also protects your Saskatoon office or place of business and its contents from damage or loss related to severe weather, natural disasters, theft, and vandalism.

Equipment breakdown insurance

It provides coverage for property damage from the sudden and accidental breakdown of insured equipment not automatically covered by a standard commercial property policy. You’ll need to have a list of the equipment at your mobile car spa business and how much it’s worth.

Mobile property insurance

If you regularly move equipment to different work locations as part of your Saskatoon mobile auto spa detailing business, mobile property insurance provides coverage for property that you don't store at a fixed location, or for equipment routinely taken off site.

Mobile property insurance covers transit. It also covers theft that could happen due to property not being stored in a secure location, as opposed to commercial property insurance that covers property generally expected to be in a designated location.

Cyber liability insurance

Do you keep client information online and take online payments? If so, your Saskatoon mobile auto spa business could be hacked by cyberthieves. Cyber liability insurance will help protect you.

Without cyber insurance, you will have to pay out of your pocket for the cost of restoring your computer system. You may also be liable for damages to third parties whose information has been stolen and you may have to pay for notification expenses to inform your Saskatoon customers affected by a breach.

What do I do if my Saskatoon mobile auto spa has an insurance claim?

  • Contact your broker immediately after any business-related mishap. Waiting to file a claim can confuse insurers about the severity of the damages to your business.
  • Know your policy so that when you contact your broker you are familiar with what will be covered or not.
  • Document the damage. Take photos right away and write down what happened.
  • Do not throw away damaged goods after taking photos. Keep the physical evidence so that your adjustor can see it.
  • Do not invite lawsuits. Don’t say anything that could be used against you, especially if you aren’t sure what happened.
  • Be honest about what your damaged property is worth. Damaged commercial property is generally valued according to its actual cash value or replacement value.

Here’s an insurance checklist for your Saskatoon mobile auto detailing spa:

  • Do you have the best business insurance rate that suits your work?
  • Do you have the right amount for your deductible and regularly review it to make sure it’s the right amount for you?
  • Are you or your employees using personal vehicles for work?

Western Financial Group has licensed BUSINESS INSURANCE EXPERTS to get your Saskatoon mobile auto spa business the right insurance package. Our experts are available now to help you navigate the business insurance journey to protect your mobile auto detailing business.

Please share this article with your friends

Talk to an Insurance Expert

Call Us Now 888-595-3104