MOBILE DETAILING INSURANCE BROKER WORKSHEET Version date: 2026-09-17 Use this file to describe one real mobile detailing operation and compare written answers from licensed brokers or agents. Complete one copy for each quote. Keep the quote, policy forms, endorsements, and written answers with this sheet. This worksheet is an organizing tool. It is not legal, tax, or insurance advice. Coverage names, requirements, exclusions, limits, deductibles, and availability vary by state, carrier, policy form, and business facts. Ask your state insurance department or workers compensation agency about requirements that apply to you. Ask a licensed broker or agent to explain every answer in the policy documents. Use UNKNOWN when a quote or policy answer is not available. Do not enter zero unless the broker or policy says the amount is zero. Use the stated currency for values, limits, and deductibles. 1. OPERATION FACTS TO DISCLOSE Business name: ______________________________________________________________ Owner/contact: ______________________________________________________________ Business structure: _________________________________________________________ State(s) where the business is based: ________________________________________ States where work is performed: ______________________________________________ Quote date: __________________ Policy start date: ___________________________ Broker/agent: _________________________________ License/state: _______________ Phone/email: _________________________________________________________________ Services offered now: [ ] Exterior wash [ ] Interior cleaning [ ] Paint correction [ ] Chemical decontamination [ ] Coating or sealant [ ] Other: ______________ Work locations: [ ] Customer homes [ ] Customer workplaces [ ] Public or shared lots [ ] My shop or premises [ ] Overnight storage [ ] Other: ______________ Describe the work, including anything that can change the risk: ______________________________________________________________________________ ______________________________________________________________________________ Activities to disclose and confirm in writing: [ ] Wash or detail at a customer's location [ ] Move a customer vehicle on a driveway or private lot [ ] Drive a customer vehicle on a public road [ ] Pick up or deliver a customer vehicle [ ] Keep a customer vehicle overnight [ ] Use a rented, leased, or borrowed vehicle for work [ ] Let an employee use a personal vehicle for work [ ] Carry portable tools between locations [ ] Store tools in a vehicle overnight [ ] Use equipment permanently attached to a van or truck [ ] Use water tanks, generators, pressure washers, or chemicals [ ] Use employees, helpers, subcontractors, or family members [ ] Work under a contract that asks for a certificate or additional insured Employees and helpers: Number of owners working: ______ Employees: ______ Subcontractors: ______ Describe who works, what each person does, and whose vehicles they use: ______________________________________________________________________________ 2. INCIDENT CHECK For each incident, ask which policy responds, which exclusion could apply, and what limit and deductible apply. Record the written answer and its date. The policy named in brackets is the one that usually responds; policy wording decides. Polisher burns paint or a chemical stains trim on a client car [Garagekeepers coverage or a care, custody, or control endorsement] Applies at the customer's home or workplace? [ ] Yes [ ] No [ ] UNKNOWN Covers a workmanship error? [ ] Yes [ ] No [ ] UNKNOWN Policy/section: _______________ Limit: __________ Deductible: __________ Written answer date: __________ Customer trips over a hose at the job [General liability] Policy/section: _______________ Limit: __________ Deductible: __________ Written answer date: __________ Crash while driving to a job [Commercial auto for a business vehicle; hired and non-owned auto for rented or employee vehicles. Ask whether personal auto excludes business use.] Pays for my own vehicle, or only harm to others? ______________________________ Policy/section: _______________ Limit: __________ Deductible: __________ Written answer date: __________ Extractor or other tool stolen from the van [Inland marine or tools and equipment coverage; bolted-in equipment may fall under commercial auto] Locked vehicle required? [ ] Yes [ ] No Overnight storage covered? [ ] Yes [ ] No Per-item sublimit: __________ Deductible: __________ Written answer date: __________ Helper injured on a job [Workers compensation; state rules decide when it is required] State agency checked: _______________ Date: __________ Written answer date: __________ Wash water or chemical runoff complaint [General liability usually excludes pollution. Ask whether any pollution coverage is available.] Local stormwater authority contacted: _______________ Date: __________ Written answer date: __________ Coverage check. PASS when every activity in section 1 and every incident above has a named policy, a limit, a deductible, and a written answer. FAIL when any line has no named policy or only a verbal answer. Treat that activity as uncovered until the broker confirms it in writing, then rerun the check. 3. VEHICLES AND DRIVING List every vehicle used for business. Add rows if needed. Vehicle 1: Year/make/model __________________________ VIN/plate ______________ Owner: [ ] Business [ ] Owner personally [ ] Employee [ ] Rented/leased/borrowed Use: [ ] Travel to jobs [ ] Carry tools [ ] Carry water [ ] Other: __________ Equipment permanently attached: _______________________________________________ Where it is kept overnight: __________________________________________________ Vehicle 2: Year/make/model __________________________ VIN/plate ______________ Owner: [ ] Business [ ] Owner personally [ ] Employee [ ] Rented/leased/borrowed Use: [ ] Travel to jobs [ ] Carry tools [ ] Carry water [ ] Other: __________ Equipment permanently attached: _______________________________________________ Where it is kept overnight: __________________________________________________ Ask about and record the exact answer: • Is commercial auto needed for each business-owned vehicle and its described use? • Does hired auto apply to the rented, leased, or borrowed vehicles I use for work? • Does non-owned auto apply when an employee uses a personal vehicle for work? • Does any policy cover the vehicle itself, or only liability to other people? • Is moving or driving a customer's vehicle included? At what locations and times? • Does my personal auto policy exclude business use? 4. CLIENT VEHICLES AND PROPERTY IN MY CARE List each situation in which a client vehicle or its contents are in your care, custody, or control: ______________________________________________________________________________ ______________________________________________________________________________ Ask the broker or agent: • Does general liability exclude damage to a customer vehicle in my care? • Is a care, custody, and control endorsement available? What does it cover? • Does garagekeepers legal liability apply to my work? If so, where does it apply? • Does any customer-property or bailee coverage apply to a mobile job at the customer's home or workplace, or only at a listed business location? • Are items inside the vehicle included or excluded? • What happens if I damage paint, trim, glass, a wrap, wheels, or interior material? • What happens if a vehicle is stolen, vandalized, or damaged overnight? • What are the exclusions, sublimits, covered causes, and deductible? • Is settlement based on actual cash value or replacement cost? Write the answer or the exact policy section to review: ______________________________________________________________________________ ______________________________________________________________________________ 5. TOOLS AND EQUIPMENT INVENTORY Record the item, ownership, value, and storage. Ask if it is mobile equipment, business property, vehicle equipment, or another category under the policy. Item: __________________________ Make/model: _________________________________ Serial number: __________________ Owned/rented/borrowed: _____________________ Value or replacement estimate (currency): __________ Stored at: ________________ [ ] Portable [ ] Vehicle-mounted [ ] Stored at premises [ ] Other: __________ Item: __________________________ Make/model: _________________________________ Serial number: __________________ Owned/rented/borrowed: _____________________ Value or replacement estimate (currency): __________ Stored at: ________________ [ ] Portable [ ] Vehicle-mounted [ ] Stored at premises [ ] Other: __________ Copy this item block for every tool or equipment item. Record UNKNOWN when a value, storage condition, or coverage answer is not available. Ask: • Does inland marine or tools-and-equipment coverage follow tools to job sites? • Are tools in a locked vehicle covered? What about an unlocked vehicle? • Is overnight vehicle storage allowed? What security conditions apply? • Is a tank, reel, generator, or pressure washer bolted into a van covered under commercial auto, tools coverage, business property, or another section? • Are theft, water, chemical damage, mechanical breakdown, wear, and flood covered or excluded? • Is there a per-item sublimit? Are borrowed or rented tools included? • Does the deductible apply before or after the per-item sublimit? • Is settlement actual cash value or replacement cost? 6. QUOTE COMPARISON Record the policy name, form, limit, aggregate, sublimit, deductible, location, exclusions, and endorsements. A headline limit alone is not enough to compare. Coverage or question Quote A Quote B Quote C Broker/carrier: __________ __________ __________ Policy/form/version: __________ __________ __________ General liability limit (currency): __________ __________ __________ General liability aggregate (currency): __________ __________ __________ Care/custody/control response: __________ __________ __________ Customer vehicle coverage name: __________ __________ __________ Customer vehicle limit/sublimit (currency): __________ __________ __________ Customer vehicle deductible (currency): __________ __________ __________ Mobile job location covered: __________ __________ __________ Commercial auto liability (currency): __________ __________ __________ Commercial auto physical damage: __________ __________ __________ Hired and non-owned auto: __________ __________ __________ Tools/inland marine limit (currency): __________ __________ __________ Tool per-item sublimit (currency): __________ __________ __________ Tool deductible (currency): __________ __________ __________ Deductible before or after sublimit: __________ __________ __________ Mounted equipment treatment: __________ __________ __________ Workers compensation answer: __________ __________ __________ BOP/business property answer: __________ __________ __________ Claims-made or occurrence: __________ __________ __________ Umbrella or excess option: __________ __________ __________ Main exclusions: __________ __________ __________ Endorsements offered: __________ __________ __________ Certificate/additional insured: __________ __________ __________ Written confirmation received? [ ] Y [ ] N [ ] Y [ ] N [ ] Y [ ] N Quote date and source: __________ __________ __________ Total monthly premium (currency): __________ __________ __________ 7. STATE AND CONTRACT CHECK State insurance department or workers compensation agency checked: ____________ Date checked: __________________ Link or contact: _____________________________ Contract name/customer: ______________________________________________________ Required coverage or limit from contract: ____________________________________ Required certificate wording: _________________________________________________ Additional insured wording: __________________________________________________ Broker confirmed the contract in writing? [ ] Yes [ ] No Ask the broker whether the certificate and any additional insured endorsement match the contract wording under the quoted policy form. Keep the policy and endorsements with the certificate. Do not treat a certificate as a replacement for the policy or as a guarantee that a loss will be paid. 8. WRITTEN ANSWERS AND NEXT ACTION Date of written answer: ______________________________________________________ Broker/agent and source: _____________________________________________________ Question answered: ___________________________________________________________ Answer or policy section: ____________________________________________________ ______________________________________________________________________________ Unresolved question: _________________________________________________________ Who will answer it: __________________________ Follow-up date: ________________ Decision notes. Record why the selected quote fits the described operation, which limits and deductibles remain a business choice, and which activity must wait for written confirmation: ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ Overhead and tax notes. Add the total monthly premium to fixed overhead in the break-even or cost-per-detail calculator. IRS Publication 334 lists liability insurance and insurance on business-use vehicles among premiums you can generally deduct. If you use the standard mileage rate for car expenses, the IRS says you cannot deduct car insurance premiums. Confirm with a qualified tax professional. Tax professional consulted: __________________ Date: __________________ Recheck this worksheet after a new vehicle, first hire, new service, larger tool, overnight storage arrangement, or new contract. Save the new answers with the updated policy documents.