If you employ even one detailing technician, most states legally require you to carry workers' compensation. This coverage pays for medical care, lost wages, and rehabilitation when an employee is injured on the job — whether they slip on a wet shop floor, strain their back lifting a pressure washer, or get chemical splash from a ceramic-coating spill.

Our policies are written to meet statutory requirements in all 50 states, with audit-friendly payroll reporting and competitive class codes for mobile detailing operations. We include employer's liability so you're protected if an injured employee or their family sues outside the workers' comp system.

Solo operators can typically opt out, but as soon as you bring on a 1099 contractor who looks like an employee (regular schedule, your equipment, your direction), you're on the hook. We help you stay compliant — and fast-track Certificates of Insurance to commercial clients who require WC proof before letting you onto their lot.

Mobile detailing is a chemical-heavy business — degreasers, ceramic coatings, polishing compounds, tire dressings, and the soaps and waxes that wash off into customer driveways or municipal storm drains. Standard general liability policies typically exclude pollution claims, leaving operators exposed when runoff complaints turn into EPA or state DEQ investigations.

Our environmental coverage responds to chemical runoff incidents, ceramic-coating overspray on neighboring property, spilled solvents, and improper soap or wax disposal. It includes cleanup costs, third-party bodily injury and property damage from pollution events, and legal defense for environmental claims.

Mobile rigs face elevated exposure because operations happen on customer property without reclaim mats or proper containment. We pair the policy with optional spill-response endorsements and recommend best-practice equipment (reclaim mats, biodegradable soaps, sealed waste containers) that lowers your premium and keeps regulators satisfied.