I am debating on installing more comprehensive CYA signs but I am wondering how much protection against lawsuits signs really give you. Does anybody have any first hand experience with this?
My insurance agent happened by today. Having just read this thread I asked him what he felt I needed for signage, I have basically none. He didn't feel signs are that important. I asked him to contact the company to see if they'd send out a loss prevention guy to inspect my wash.
IMO your ins. agent is a moron. If something happens and you have no signs, the judge will think that you didn't care, and you will lose. I have taken my signs to court a number of times, and the verdict was that even though they didn't read them, the "rules/info" was there for them and they must live by them.
If you don't read a contract but sign it do you think you are off the hook?
I think you need a new insurance agent. While you don't want your bays to look like the showroom for a signage company, CYA signs are some of the best "insurance" you could have to protect your a$$ from idiots who like to sue at the drop of a hat.
There are good carwash insurance specialists out there.
To save $, I solicit quotes from competing companies often. All you have to do is photocopy your policy, black out anything you'd like to keep private and let the agent look it over.
I like the CYA policy one roofing contractor had to protect himself against his employees falling off the roof:
Employees are under no circumstances allowed to fall off a roof. If you fall off a roof, you have violated company policy and are terminated immediately. Since you were no longer employed when you hit the ground, you are on your own.