Car Washes--Self-Service

What Does GL Code 10368 Cover?

ISO GL class code 10368 pertains to self-service car wash operations, classifying businesses where customers wash their own vehicles using provided equipment. This code covers the general liability exposures associated with the premises, equipment, and customer interactions within a self-service car wash facility. It specifically addresses operations that do not involve employees washing vehicles, focusing instead on customer-operated services.

Who Uses This Class Code?

This code is utilized by businesses operating coin-operated car washes, automated self-service bays, and facilities offering DIY vehicle cleaning equipment. Specific entities include standalone self-service car wash businesses, gas stations with self-service wash bays, and automotive service centers providing unattended car wash options.

Common GL Claims for This Class

Common general liability claims for self-service car washes include customer slip-and-fall incidents on wet surfaces, property damage to vehicles caused by malfunctioning wash equipment, and injuries sustained from improper use of high-pressure hoses or other tools.

Coverage Tips for Code 10368

• Ensure your policy includes coverage for premises liability, as customer slips and falls are a common occurrence in wet environments.
• Regularly inspect and maintain all self-service equipment to prevent malfunctions that could lead to property damage or bodily injury claims.
• Review your policy for specific exclusions related to water damage or chemical spills, and consider endorsements if necessary.
• Implement clear signage regarding safety instructions and proper equipment use to mitigate liability risks from customer misuse.