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You’re no stranger to the potential risk associated with cleaning customers’ properties. After all, you’ve worked tirelessly to get to where you are with your business. With all that risk at stake, shouldn’t you have insurance that protects the business you worked so hard to build?
At Simply Business, we offer pressure washing policies that cover the risks you encounter as a professional exterior cleaner. To get started, just answer a few simple questions, compare free quotes from top insurance providers who get your business, and choose the policy that fits your needs.
What could be better than that? Well, you can start comparing quotes in less than 10 minutes.
Experience what it’s like to have pressure washing insurance that fits you and your business. Get your free quotes today!
Depending on what your business needs, there are many routes to take when it comes to obtaining business insurance. Two core policies we recommend for pressure washing Businesses are:
Commercial general liability (GL) insurance for professional exterior cleaners covers a variety of incidents, including accidents, third-party property damage, third-party medical expenses, and more. General liability coverage also can cover you in the event of a lawsuit or if your equipment is damaged or stolen while you’re working.
Why is general liability important for a pressure washing business? It’s simple: Without this type of insurance, you’re likely to have to pay the costs of those incidents and any other charges involved. With the average claim for property damage or accidents being about $30,000 for small businesses, you’ll want to ensure that you’re covered.
Here’s how general liability insurance works for pressure washing businesses: You’re hired to clean a customer’s driveway and walkway, which leads to their house. You walk around the house to the area you want to clean and the hose of the pressure washer wraps itself around a stand that supports an expensive plant pot. The stand is knocked over and the plant pot breaks. In this case, general liability insurance could cover the cost of the damage.
Failing to have pressure washing insurance means you have to pay those expenses out of your pocket. But if you’re properly insured, you don’t have to sweat the costs for one minute. Your policy will cover the cost of repairing or replacing the potted plant, as well as any other incurred costs (like if the customer presses charges and takes you to court), up to your policy limits.
So what does general liability insurance cover?
Here’s what general liability insurance typically doesn’t cover:
In the majority of states, if you have full-time, part-time, or even temporary employees, you’re legally required to carry workers compensation insurance. Also known as workers comp, this type of insurance is there in case an employee gets sick or injured while working.
It’s critical to carry this type of insurance for many reasons, but primarily because without it, you’d be responsible for paying all expenses related to an employee injury. But how much would you be paying out of pocket? It’s more than you might think.
The National Safety Council reports that the average cost of a workers comp claim is $40,000. Having to foot that bill can be damaging to a business, especially if you’re just getting started.
Workers compensation insurance for pressure washing businesses may cover:
Whether it’s a building, a walkway, or a big vehicle, you know how to get it clean and dirt-free. But there’s not much you can do if you don’t have your pressure washing equipment and supplies.
If the tools of your trade are lost, damaged, or stolen, your pressure washing services can grind to an unwelcome halt. Having to unexpectedly repair or replace equipment or supplies can be a major hit to your pressure washing business.
That’s why we recommend two types of business insurance coverage to help cover your business property and equipment.
Business personal property (BPP) insurance typically covers the equipment, furniture, fixtures, and inventory that you own, use, or rent inside your workspace.
If you work out of a business location, BPP insurance can help cover items like your computer, tables, chairs, and supplies you may have stored there.
A business personal property policy can cover financial claims involving:
Inland marine insurance is coverage that helps to financially protect the tools and equipment you use while in transport or on a job site.
For instance, you could be working at a job site and you take a lunch break. While you take care to lock your tools in your truck, you come back from lunch to see that someone broke into your truck and stole your tools.
That’s where Inland marine coverage can help. It can financially protect your business from occurrences like:
Without inland marine coverage, you would have to pay to replace the stolen tools yourself. On top of that, you could be losing income because you’d be unable to take on any power washing jobs.
Having to add another business expense to your credit card may sound daunting, especially if you have your eye on other things like new equipment or marketing services.
But the reality is that you’ll wind up paying far more out-of-pocket without insurance — like if you accidentally damage a customer’s property while pressure washing it and the customer sues you — compared to what you’d pay for your insurance policy. Also, if having an insurance policy is required in your state, you may face legal repercussions if you fail to have proof of coverage.
The average costs for small business owners without insurance can be devastating:
Those incidents aside, lawsuits are also a common occurrence. Roughly 43% of small business owners have reported being involved in or threatened with a lawsuit. Here’s another startling fact: you don’t have to do anything wrong to get sued by a customer. Even if you provided the best possible service and did everything they asked for, if they were unhappy with your services in some way and they took you to court, you may still have to pay for legal expenses.
Here’s the good news: with the right amount of coverage, your business is protected from the cost of claims and lawsuits.
Lastly, having proof of insurance can be an essential part of reaching certain milestones with your pressure washing business, such as:
When you purchase insurance through Simply Business, we’ll supply you with a certificate of insurance (COI), so you can begin providing proof of coverage right away.
Generally, if you have any employees (including part-time or temporary), you may be required to carry workers compensation insurance. Depending on where you live, you also may be required to carry pressure washing liability insurance. However, even if you’re not required to carry it, there are many benefits to doing so:
Business insurance premiums are typically tax-deductible on your income tax. For more information about the specifics of small business tax deductions, we recommend you speak with an accountant.
The amount of coverage you’ll need will depend on several factors, like:
Our quick and easy quote form provides you with the recommended amount of coverage. If you have additional questions, our licensed insurance agents are happy to assist you!
To get your free quote for pressure washing insurance quickly, have the following information on hand:
Different states may have unique requirements for pressure washing businesses. Our quoting process can provide you with the insurance you need for your state. If you need additional help, our licensed insurance agents can let you know about your state’s requirements.
Pressure washing business insurance with general liability and workers compensation can cover:
The total cost of your policy will depend on the type of work you’re doing, and if you have any employees. You can expect your policy costs to be determined by:
Ready to see how much your pressure washing insurance may cost? To get started, click here to answer a few questions and compare policies.
If you offer other services, our licensed insurance agents will help you find the right insurance coverage that can provide the best protection for your business.
Simply Business is an online insurance brokerage that makes it easy to compare policies from top insurers. We’re one of the fastest-growing online providers of small business insurance. Thousands of customers trust us to protect their thriving businesses.
Why choose Simply Business to protect your small business?
We’re fast and affordable. You shouldn’t have to worry about whether or not your business is protected from risk. Our policies are fast, affordable, and offer all the coverage you need.
We’re flexible with coverage. If you need to make a change to your policy, we’re here to help you.
We get your business. You deserve the best protection by people who understand what you need. We’re there to guide and support you.
You’ve worked hard to build your pressure washing business, so shouldn’t the best insurance coverage protect it?
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.