Home auto detailing businesses are a great way for car enthusiasts to do what they love for a profit: make vehicles spotlessly clean, inside and out. But without the right insurance, one incident could put that business on the skids.

Like any home business owner, an auto detailer needs to be aware of potential risks – a customer falling on a slick floor, damage to a vehicle or theft of expensive car detailing supplies – that could stall their business. That’s why an RLI Home Business Insurance policy should be as standard for auto detailers as airbags are to vehicles.

An RLI Home Business Insurance policy provides coverage related to:

• business personal property (equipment, inventory and supplies) and business-related liability exposures
• lost income
• losses or damage from business activities conducted at the business owner’s home or off-site at another location
• business property while in transit
• liability coverage when performing business-related activities at someone else’s residence.
  
  

With liability limits up to $1 million and business property protection up to $100,000 (with a $250 deductible), an RLI Home Business Insurance policy provides valuable coverage at affordable rates.

Also inform eligible car detailers about garagekeepers coverage, for insureds who temporarily take possession of customers’ autos in the normal conduct of their business. This optional coverage provides comprehensive and collision causes of loss at $30,000 and $60,000 limits on a legal liability, direct coverage – excess, or direct coverage – primary basis. Note: The garagekeepers coverage does not provide auto liability coverage for operation of a vehicle.

Make sure your clients with home auto detailing businesses don’t break down due to lack of coverage. Let them know about how a home business insurance policy and optional garagekeepers coverage from RLI can protect them down the road.