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Pressure Washing Insurance

Now Offering Policies with Monthly Payments & $0 Deductibles

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Simply Business is pleased to provide tailored insurance options from:

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Pressure Washing Insurance That’s Made Just for You

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 insurance 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!

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Insurance FAQs:

  • What is Business Insurance?

Coverage Type

Policies Available for Pressure Washing Insurance:

  • General liability insurance
  • Workers compensation insurance

Benefits:

  • It can protect your business from certain claims.
  • It can cover mistakes & damages caused by your services.
  • Proof of insurance can help customers feel good about your work.
  • It may be legally required where you’re located.

A man pressure washing siding

What Type of Insurance Do I Need for My Pressure Washing Business?

Depending on what your business needs, there are many routes to take when it comes to obtaining business insurance insurance. The two core policies we recommend for pressure washing insurance are:

Commercial General Liability Insurance

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?

  • Bodily injury to another person
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

Here’s what general liability insurance typically doesn’t cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Automobiles while in business use
  • Expected or intentional injury or damage
  • And more

Workers Compensation Insurance

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:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits

A man pressure washing a roof

Why Should I Get Insurance for My Pressure Washing Business?

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:

  • $30,000 for property damage or accident claims
  • $39,000 for work injury claims
  • $50,000 for reputational harm claims (like in cases of slander or libel)
  • $20,000 for a customer slip and fall case

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 take 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 business, such as:

  • Convincing other professional exterior cleaners to work for you
  • Earning customers’ confidence
  • Opening another location
  • And more!

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.

Question marks

Pressure Washing FAQs

  • 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:

    • Pressure washing insurance prevents you from paying for property damage and accidents out-of-pocket.
    • It can cover legal costs if your business is sued.
    • Customers may be reluctant to hire you unless you have the right insurance coverage.
    • It can help you get approved for a business license and any contractor’s license you may need.
  • 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:

    • The size of your business
    • Your business’s location
    • Your annual revenue
    • And more

    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:

    • Annual revenue estimates
    • Payroll estimates
    • Information on any previous claims
  • 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 insurance with general liability and workers compensation can cover:

    • Bodily injury
    • Accidents and damages
    • Employee injuries
    • Unintentional mistakes
    • And more
  • 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:

    • The number of employees and subcontractors you have
    • Your business location
    • The type of services you provide
    • And more

    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.

A man pressure washing a deck

Why Choose Simply 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?

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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 reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.