Need Insurance to Detail Cars for a Dealership or Auto Lot?

A dealership may ask you for a certificate of insurance before you can detail cars on its lot, work around customer vehicles, or become an approved vendor. The request may sound simple, but the insurance requirements can be confusing. They may mention general liability, garagekeepers coverage, commercial auto, workers’ compensation, certificate-holder wording, or additional insured status.

Redoubt helps you slow the request down and translate it into the information needed for an insurance quote.

Mobile detailing often involves working around vehicles you do not own. You may be cleaning interiors, polishing paint, using chemicals, applying ceramic coating, moving between job sites, carrying expensive equipment, or working on a dealership lot with many vehicles nearby.

That means the insurance conversation may not be limited to general liability. The important question is what the dealership expects your policy to cover and what your actual policy form will or will not do.