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National Carwash Program

NBT-Mang Insurance Agency’s National Car Wash Insurance Program® is a Property/Liability and Workers Compensation plan designed to meet the needs of all car wash operators - single locations as well as multiple locations. 

What makes this program a total business solution is its ability to provide more than just the basics.  It goes beyond traditional coverage to include many value-added benefits such as trained, dedicated support staff knowledgeable of the carwash industry, access to exclusive car wash insurance programs, and our ability to handle your claims quickly and efficiently.  We also provide you with access to many resources through our MyWave portal as described below in the Resources Available section. 

Program Eligibility:
To qualify for the National Car Wash Insurance Program®, businesses must have the following features.

  • Full Serve
  • Exterior
  • In-Bay Automatic
  • Self Serve
  • Other profit centers are available (such as lube/oil, convenience store, detailing, laundromat, storage, etc. in addition to the primary car wash operation.) 

General Products Offered

The following products are generally offered in support of car wash facilities.  This list is merely a highlight of coverage that is commonly sought by car wash operators and is not all-inclusive.

Property Damage Liability – Coverage for legal liability arising from physical damage to tangible property of others
Commercial Automobile – Coverage to protect a business owner against liability and physical damage losses that result from owning or using automobiles.
Garage Keepers Legal Liability – Coverage for the legal liability for claims of property damage arising out of business operations.
Workers' Compensation - No-fault statutory benefits prescribed by state law are provided by an employer to an employee (or the employee's family) due to a job-related injury (including death) resulting from an accident or occupational disease.
Pollution Legal Liability – Coverage for the legal liability for claims of contamination of an environmental nature by substances regarded as pollutants.
Employment Practices Liability – Coverage for wrongful acts arising from the employment process (e.g., wrongful termination, discrimination, sexual harassment, and retaliation.
Commercial Umbrella – Coverage designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy, commercial general liability policy, and employer’s liability coverage.

Our Team

Our Saratoga Springs, New York office was established to service car washes exclusively. Our service center manages hundreds of car wash accounts both locally and nationally.  Team members for this program are listed below.

Peter Beames, Account Executive & Car Wash Program Director.  (Click on Pete’s name to learn more about him)
Cheryl Riendeau, Customer Service Representative

Contact Us

You may contact us through the dedicated telephone numbers and email address below.

Toll Free: (800) 891-9274
Fax: (518) 580-8635

Request a Quote

You may request a quote via phone, e-mail or fax. To fax a request, please complete the application form, by clicking here and fax It to our office, at the following number (518) 580-8635. We will contact you regarding your quote request as soon as we receive your information. To request a quote via e-mail, click on the icon below and include your name, phone number and the best time to reach you in the content section of the e-mail. To reach us by phone, please call us at (800) 891-9274 and ask for a member of the Car Wash Team. We pride ourselves on fast response, to customer inquiries. We look forward to hearing from you


Report a Claim

We’re here to help.  If you should have a claim, call our dedicated toll-free claims line at 888-738-2945. It is available 24 hours per day, 7 days per week.  Or, you may send an email to the address above and include “Claim Report” in the subject and your name, phone number, and best time to reach you in the content section.  We will contact you within 24 business hours to gather details in order to assist with your claim filing.

Resources Available

As an NBT-Mang Insurance Agency customer, we provide you with access to hundreds of articles that address general business needs (such as OSHA and COBRA regulations, compliance posters, etc.) as well as literature specific to the car wash industry (e.g., car wash safety bulletins, risk summary check list, etc.)  Click the MyWave link on the left to learn more about the MyWave portal that enables you to set up an account and have these valuable resources at your fingertips.  Once an account is established, we can even help by emailing you specific industry-related materials so that your time is better spent running your business.

Program Endorsed by

New York State Car Wash Assoc. New England Car Wash Assoc.
New York State Car Wash Association  New England Car Wash Association (NECA)
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