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NJ car wash insurance guides. Ten in progress, each built on a New Jersey rule.
Much of what exists online about car wash insurance is a coverage list with the state name swapped out. These are the questions that actually have New Jersey answers: which garage keepers basis pays, whether your discharge needs a permit, what a drought order can do to you, what happens at closing when you buy a wash, and which class code your payroll is rated on. Every guide cites the rule it relies on and links to the region it came from.
Start here
Three to read first once they go up: the garage keepers explainer, the drought piece and the class code 8396 note, which is short and definitive. None is posted yet — each card below shows where it stands.
01 · In progress
Garage keepers legal liability vs direct primary: which one actually pays for the mirror
Three bases, one decision table, and the question of what you say at the exit lane — which turns this into a business decision rather than a price line.
Region: Central New Jersey02 · Scheduled
Do you need a NJDEP permit to run a car wash in New Jersey?
Works through the answer by discharge destination — sewer, ground water, septic — with the citations, and says plainly that we found no car-wash-specific general permit.
Region: Northwest New Jersey03 · In progress
Can New Jersey shut your car wash down in a drought?
Quotes the Phase I exception word for word, shows where it is ambiguous, and explains that the operative restriction comes from the order issued for that event.
Region: The Jersey Shore04 · Scheduled
Buying a car wash in New Jersey: ISRA, the Spill Act, and what diligence misses
811192 is not on the ISRA subject list — and the three routes that bring ISRA back anyway, plus the innocent-purchaser defence. Useful once you have a signed letter of intent.
Region: South Jersey05 · In progress
Your New Jersey car wash workers comp class code is 8396, not 8380
Why New Jersey is an independent-bureau state, what the CRIB phraseology actually says, and why we will not print a rate.
Region: Essex, Hudson and Union06 · Scheduled
What your property policy will not pay for when the conveyor stops
Property insures external perils; breakdown begins inside the machine. Maps the covered-object list onto a real tunnel and explains expediting expense.
Region: Central New Jersey07 · Scheduled
Sixty days is the wrong business income setting for a membership car wash
The case for an extended period of indemnity: the 60-day default, the 90-to-730-day options, and the shift from transaction to subscription revenue.
Region: South Jersey08 · Scheduled
What New Jersey's Wage Theft Act means if you own a car wash
Six-year lookback, 200% liquidated damages, the 90-day retaliation presumption, successor liability on asset sales — and why EPLI usually sublimits that exact claim.
Region: North Jersey09 · Scheduled
Nine ways to wash a car, nine different insurance problems
How the format you run changes the policy you need, including the flex-serve misclassification and the gas-station placement problem.
Region: Essex, Hudson and Union10 · Scheduled
Unlimited wash clubs, auto-renewal law, and what New Jersey has not passed yet
The statute's 12-month scope, why a month-to-month plan probably falls outside it, the Cobblestone settlement — and A455, a pending bill that is not yet law.
Region: The Jersey ShoreReading is cheaper than a claim. Sending the file is cheaper still.
Or call 908-824-6733 — Jeff picks up.