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CONTENTS

Insurance Coverage Summary SmartWash PRO Introduction Key Policy Information Core CoverageFinancial Limits A Key Benefit Critical Exclusions Understanding "Efficient Proximate Cause" Claims Process Policy Deductible Our Commitment to Transparency

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Insurance Coverage Summary SmartWash PRO

Introduction

This summary outlines the key commercial general liability (CGL) insurance coverage secured by SmartWash LLC for the protection of its clients and partners. This policy is in place to cover all operations performed by its affiliate, SmartWash PRO, LLC.

This standard corporate arrangement ensures that when you hire SmartWash PRO, you are engaging a service provider backed by substantial, formal risk management protections.

Key Policy Information

  • Insurer: Kinsale Insurance Company
  • Policy Type: Aviation General Liability
  • Coverage Period: August 24, 2025 – August 24, 2026
  • Coverage Territory: United States

Core Coverage Financial Limits

Our policy provides the following primary coverage limits for bodily injury and property damage liability claims:

Coverage Type

Limit

Why This Matters to You

Per Occurrence Limit

$1,000,000

The maximum amount available to cover a single incident.

General Aggregate Limit

$2,000,000

The total amount available for all claims during the policy period.

Products/Completed Operations Aggregate

$2,000,000

The total amount available for claims arising from work already completed.

A Key Benefit

Additional Insured Status

We understand that airports, FBOs, and other facility owners require specific assurances. Our policy includes provisions to automatically add Additional Insureds to our coverage when required by a written contract. This means your facility can be directly protected under our policy for liabilities arising from our work, simplifying your risk management and compliance.

Critical Exclusions

Important Clarifications

For complete transparency, it is essential to note what this specific CGL policy does not cover. Professional aircraft detailing requires specialized knowledge and skill, and certain related risks are addressed by other insurance products.

Exclusion

What It Means

Hangarkeepers Liability

This policy does not cover direct physical damage to an aircraft while it is in our care, custody, or control for detailing services.

Grounding Liability (Loss of Use)

This policy does not cover an aircraft owner's financial losses (e.g., lost charter revenue) if the aircraft is grounded due to damage caused during our detailing.

Understanding "Efficient Proximate Cause"

Modern liability policies can include complex endorsements that affect how a claim is analyzed. For example, some policies may limit coverage if the root cause of damage is linked to an excluded peril, even if our negligence was a factor in the chain of events. We design our service protocols to minimize such risks.

Claims Process Policy Deductible

  • Deductible: A deductible of $5,000 per occurrence applies.

  • Reporting Claims: Any incident must be reported immediately and directly to the insurer:

Our Commitment to Transparency

This summary highlights the primary features of our insurance program. The complete terms, conditions, and exclusions are governed solely by the official policy documents.

We strongly encourage all clients and partners to request a current Certificate of Insurance (COI) for their review prior to service. Providing proof of adequate insurance is a standard part of our professional service commitment.