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You’re an expert at deep cleaning a customer’s property, whether it’s a deck, fence, walkway, or home exterior. But all that time spent on customers’ properties means you face some potentially expensive risks. Without pressure washing insurance, you could leave yourself vulnerable to those risks.
At Simply Business, our pressure washing insurance is customized to cover the exact risks and scenarios you face as a professional exterior cleaner. Plus, we make it easy to get insured in under 10 minutes, with free online quotes, monthly payment options, and policies with $0 deductibles.Get Your Quote
While every pressure washing business is different, there are specific insurance policies we typically recommend for professional pressure washers to keep them protected. Take a look at the types of insurance we recommend for pressure washing businesses, including what they can cover.
General Liability Insurance — also known as commercial general liability (CGL) insurance — covers you and your pressure washing business in case of third-party damages, accidents, and/or lawsuits.
For example, if you accidentally break a customer’s bay window while power-washing their home’s exterior, your pressure washing business insurance can cover the cost of replacing that window.
It might be tempting to put off getting GL insurance to save some money, but the odds of you avoiding an expensive claim aren’t in your favor.
In fact, The Hartford estimates that 40% of small business owners will experience a significant property damage or accident claim within their first ten years - and if you’re a pressure washer, that risk only increases.
GL insurance is more affordable than ever, so don’t put your business at risk. We offer policies with monthly payment options and $0 deductibles, so your budget doesn’t have to take a hit just to get protected.
General liability insurance usually covers:
So now that you know what GL covers, let’s talk about what it doesn’t protect you from. For the most part, general liability insurance usually does not cover:
For example, let’s say you back your work van into a customer’s fence, damaging your vehicle’s bumper. Your GL policy won’t cover the cost of those damages, so you may need to find additional protection to stay protected.
Don’t worry - we can help you find the exact coverage you need for all the risks you face!
If you’re like most pressure washing company owners, you’ve invested a lot of money building up your equipment. But would you be able to replace it if it were lost or stolen?
It’s an important question to ask, especially as the average cost of tool theft is about $46,000. If you compare that to the cost of a contents coverage policy, it’s clear to see why you should add it to your overall pressure washing business insurance.
Contents coverage provides financial protection in the event your equipment is damaged or stolen in the course of your work. If this happens, your policy may cover the cost of repairing or replacing your work equipment (up to your policy limit).
That’s why we recommend adding contents coverage to your overall pressure washing business insurance. Contents coverage provides financial protection in the event your equipment is damaged or stolen in the course of your work. If this happens, your policy may cover the cost of repairing or replacing your work equipment (up to your policy limit).
It’s easy to add contents coverage to our general liability insurance policies. Be sure to request it when shopping for a quote.
If an employee gets sick or injured while working for you, workers compensation — also known as employers liability insurance — can provide your business with financial protection. Most states require businesses to carry this policy when they hire their first employee, so be sure to add it to your coverage if you have a team.
Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages. Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for a workplace injury.
It doesn’t have to be a headache to find affordable pressure washing insurance. Check out our answers to the most frequently asked questions about pressure washing insurance, including how to know if you’re required to have it.
In a word, yes! Pressure washing insurance can be fundamental for protecting you, your money, your equipment, and the health and property of your customers. Without pressure washing insurance, you and your business are 100% liable for any damages or accidents caused on your watch.
That means you’d have to pay those bills out of your pocket, and if they’re expensive enough, they could put you out of business.
Pressure washing insurance can be customized to provide protection against the biggest risks you face while you work. So whether you need just a general liability policy to cover you in case of accidental damage or you want to protect your equipment, we can add these policies to your overall pressure washing insurance coverage.
It depends on your state of residence, as well as the cities where you provide pressure washing services. However, even if you’re not required to be insured in your state, there are several reasons you should carry it:
While there’s no one answer for how much pressure washing insurance costs, you can get a good estimate for what you may pay based on:
Want to find out how much your pressure washing business insurance may cost? Click here to answer a few questions so we can help you learn how much you can expect to pay for your pressure washing insurance coverage.
Simply Business is an online business insurance brokerage that lets you compare and buy policies from top insurers. We have over a decade of experience in making business insurance clear and simple for our customers.
We pride ourselves on making business insurance:
Fast and Affordable: You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.
Tailored to You: Forget one-size-fits-all insurance. Get the protection your business needs, when you need it most.
Flexible with Coverage: Whether you need increased coverage for the busy pressure washing season or a policy for a large project, Simply Business can help.
After all, you’ve worked hard to build your pressure washing business. That’s why we offer the best coverage to protect it.