Car Washes--Other Than Self-Service

What Does GL Code 10367 Cover?

ISO GL class code 10367 applies to full-service car wash operations, encompassing businesses that provide manual or automated washing, waxing, and detailing services where customers remain in their vehicles or wait in a designated area. This code classifies the general liability exposures associated with the direct provision of car cleaning services, including potential damage to vehicles and customer injuries on premises.

Who Uses This Class Code?

This code is utilized by businesses such as automated tunnel car washes with attendants, hand car wash services, full-service auto detailing centers, and car wash establishments offering interior cleaning and exterior treatment. Operators include independent car wash businesses, franchised car wash locations, and automotive service centers that incorporate full-service car washing as part of their offerings.

Common GL Claims for This Class

Common claims include damage to customer vehicles during the wash process (e.g., mirrors broken, paint scratched), slip-and-fall injuries sustained by customers on wet surfaces, and property damage to adjacent vehicles or structures caused by errant vehicles.

Coverage Tips for Code 10367

• Ensure your policy includes coverage for damage to customers' vehicles while in your care, custody, or control, as this is a primary exposure for full-service car washes.
• Implement robust safety protocols for wet floors and vehicle movement areas, as slip-and-fall claims are frequent; verify your policy does not have exclusions for such incidents.
• Accurately report gross receipts for audit purposes, as underreporting can lead to significant premium adjustments and potential coverage disputes.
• Review your policy for specific exclusions related to high-pressure washing equipment or specialized detailing chemicals, and consider endorsements if necessary.