At Gibson Insurance, we’ve launched a dedicated Car Wash Niche in Property and Casualty insurance, designed specifically for the needs of car wash businesses. With Tony Gaipa’s background in law (JD) and business (MBA), combined with Chuck Burnham’s extensive experience in commercial insurance, we understand both the complexities of coverage and the realities of running a car wash. We’ve developed best-in-class programs that protect owners and operators in ways they’ve never seen before.

The Problem with Traditional Insurance Policies

Car washes are dynamic businesses with unique operational risks, from equipment breakdowns to water damage, slip-and-fall liability, and environmental concerns. Despite this, many policies available today are generic or “off the shelf”, failing to provide the tailored endorsements needed to fully safeguard a car wash operation. When the unexpected happens, many owners are left frustrated by coverage gaps, slow claims processing, and unexpected exclusions.

A Smarter, Specialized Approach

As specialists, we know the ins and outs of car washes—literally. We understand what coverages and endorsements are needed and how to secure them at a reasonable price. We don’t offer one-size-fits-all policies; we craft insurance solutions that ensure our clients are fully protected, no surprises.

Why do businesses buy insurance? In the instance of a claim. And when it comes time to file one, you want a policy that reacts the way you expect it to. That’s why our programs are designed with claims responsiveness in mind, ensuring that when our clients need their coverage most, it delivers.

The Gibson Difference

• With our specialized car wash insurance programs, we provide:
• Tailored coverage options that address industry-specific risks
• Competitive pricing through efficient risk assessment and underwriting
• Claims advocacy to ensure fast and fair settlements
• Proactive risk management strategies to help prevent losses before they occur

Risk Management: A Key to Better Coverage

At Gibson Insurance, we don’t just sell policies—we help businesses actively manage risk. Through detailed risk assessments, safety programs, and operational best practices, we work with car wash owners to identify and mitigate potential hazards before they lead to costly claims. By taking a proactive approach to risk management, we not only help prevent losses but also position our clients in the best possible light with carriers. Insurance providers are more willing to offer competitive rates and favorable terms when they see that a business is actively managing its risks. This strategic approach allows us to secure better coverage and pricing, ensuring our clients get the protection they need without overpaying. We’re not just another insurance broker—we’re partners in protecting your business. By working with industry specialists who truly understand car washes, owners and operators gain peace of mind knowing they have the right protection in place.

The car wash industry deserves better insurance solutions. At Gibson Insurance, we’re here to

deliver them. Let’s talk about how we can safeguard your business today.