I kept seeing ads for the “Detailers Network” or “IDA” specific insurance programs. They claimed to be “built for detailers.” I wanted to know: are they actually better than a generic policy from Geico or Progressive?
Key Takeaways
- Tailored Coverages: These programs (often brokered by Veracity or similar) typically include Garage Keepers and Faulty Workmanship by default, whereas generic carriers often leave them out or make them optional.
- Group Buying Power: Because they pool thousands of detailers, the rates are often 10-20% lower for the same coverage limits.
- Specific Endorsements: They often understand niche risks like “headliner sag” or “ceramic coating failure” better than a generic claims adjuster.
- The “Membership” Fee: You usually have to be a paying member of the network (IDA, etc.) to access the insurance. Factor that dues cost into the price.
The “Why” (The Trap): Generic Underwriting
A generic insurer classifies you as “Car Wash.”
They expect you to wash cars.
They don’t understand “Paint Correction” or “Ceramic Coating.”
When you file a claim for “burned paint,” the generic adjuster is confused. The Network adjuster knows exactly what a Rupes polisher is.
The Investigation: “I Compared Them”
I compared a generic quote vs. a specialist program.
1. Progressive Commercial (Generic)
- Premium: $1,400/year.
- Coverage: GL + Garage Keepers.
- Workmanship: Excluded.
- Pros: Fast, big name.
2. Detailer’s Specialist Program
- Premium: $1,250/year (plus $100 membership).
- Coverage: GL + GK + Faulty Workmanship + Voluntary Property Damage.
- Pros: Better coverage, lower deductible options.
Comparison Table: Program vs. Generic
| Feature | Generic Carrier | Detailer Program |
| Faulty Workmanship | Rare / Extra Cost | Included |
| Adjuster Knowledge | Low | High |
| Mobile Endorsement | Optional | Standard |
| Chemical Spills | Restricted | Broadened |
Step-by-Step Action Plan
- Get a Generic Quote: Get a baseline from Progressive or Next.
- Get a Program Quote: Contact the IDA or Detailers Network broker.
- Compare “Workmanship”: Look specifically for the “Faulty Workmanship” limit. If the Program has it and the Generic doesn’t, the Program wins, even if it costs $100 more.
- Check Membership Value: Does the membership give you training or discounts on chemicals? That adds value beyond the insurance.
FAQ
Q: Do I have to join the IDA?
A: For some programs, yes. For others (like Veracity), you can sometimes buy direct, but membership helps credibility.
Q: Is “Garage Keepers” included?
A: In the specialist programs, almost always. In generic, you have to ask for it.
[IMAGE: Side-by-side checklist: “Generic Policy” (Missing checks) vs “Detailer Program” (All checked).]