Pressure Washing Insurance: What You Need to Know

Pressure Washing Insurance: What You Need to Know

Pressure Washing Insurance: What You Need to Know
Charles Munyi
Apr 14, 2022
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Pressure washing is an essential service for commercial property owners. It’s an efficient way of removing dust, mold, mildew, and dirt from various surfaces.

In these operations, the combination of pressured water, chemicals, and powerful equipment is a recipe for potential accidents. Insurance can safeguard your pressure washer service business against losses from property damage, medical expenses, and legal claims.

In this article, we’ll highlight the importance of pressure washing insurance and the coverage along with the potential costs.

What is Pressure Washing Insurance?

Pressure washing insurance is a liability policy that covers your business against claims for damage, accidents, injuries, and related costs arising from cleaning operations. It protects against property damage and bodily injury to third parties.

It insulates against property damage such as eroded walls, stripped paint, broken windows, dislodged bricks, and knocked down plants. Also, it insures third-party bodily injury in washing operations. Extra add-ons such as employee compensation and cybersecurity insurance can protect your business from further losses.

Risk mitigation is key to survival in business. Pressure washing insurance insulates you from the financial loss of paying for restoration, severe injury, and accompanying legal costs out of your pocket.

Plus, insurance can help you close deals with clients. As a risk mitigation strategy, clients may only contract with insured businesses.

Why Do Pressure Washing Businesses Need Insurance?

Since a pressure washing business involves high-pressure water and chemicals on surfaces, damages from overspray and accidents might occur. Reducing or eliminating the impact of these kinds of risks on your business is important.

Generally, a service provider is liable for damage to a client’s property. The extent and degree of damage can make these costs expensive. Individual contractors don't want to pay these business expenses out of pocket.

Pressure washing insurance covers several common risks that might arise, including: 

  • Property damage: Pressure washing insurance covers the damage to client property during your power washing operations.
  • Injury to third parties: In case of harm to a third party, this insurance offers compensation.
  • Legal defense costs: Customers may sue for damages. This insurance can protect your business from lawsuits.

Pressure Washing Insurance Coverage

Pressure washing insurance comes in different forms. Here are some policies you need for your business. 

General Liability Insurance

General liability policies protect the business from losses related to claims arising from injury to third parties, damage to client property, libel and slander, and advertising suits. For instance, you visit a client’s home and the person trips over your pressure washing equipment. General liability insurance will cover the cost of treating the injuries sustained and even their lost wages. 

Business Contractors' Errors and Omission

This type of insurance protects against professional negligence that leads to financial losses—for example, flooding a client's premises. If you’re sued for the allegation of negligence in completing your work, say by missing a deadline, E&O insurance will cover your defense costs.

Workers Compensation Insurance

In some states, businesses must have this type of insurance for permanent and temporary staff. It pays for medical bills and lost wages in case of employee injury during work activities. If an employee falls ill due to exposure to cleaning chemicals, workers' compensation insurance can cover their medical expenses and help recoup lost wages. 

Cyber Liability Insurance

If your business faces a data breach and customer information is compromised, this insurance will cover the costs of informing clients and investigation expenses. If your business is hit by a data breach, cyber liability insurance can cover the cost to restore any lost data. This insurance also covers lost business income due to ceased operations during a breach.

Generally, pressure washing insurance excludes asbestos and lead pollution from liability coverage. Any contamination of the job site with lead or asbestos will trigger the exclusion clause.

How Much Does Pressure Washing Insurance Cost?

Costs vary depending on the needs of the business. 

  • Gross Sales: Costs may vary based on your business income.
  • Staff size: The number of people covered affects the cost. More staff members may result in higher premiums.
  • Length of the policy: If you need insurance for a single cleaning job, your costs will be minimal. On the other hand, a professional operation with continuous assignments all year round will have an additional cost.
  • Coverage limit: The costs increase as the coverage limit rises.

On average, the base premium on pressure washing insurance ranges between $1000 to $2,000 per year. Generally, the policy liability limits for pressure washing insurance may range between $1,000,000 to $2,000,000. 

How Quickly Can I Get A Certificate of Insurance?

A certificate of insurance is a document issued by an insurance provider showing proof of business insurance. It will list the types of coverage.

Your insurance company can issue a certificate of insurance upon request. Some clients require a certificate for jobs as a form of financial protection. 

As soon as you have signed your insurance agreement, you can request your certificate, and it is issued within a few days. 

Get Pressure Washing Insurance

Insurance protects your pressure washing services against potential risks. Contact a licensed agent and ask them to get you a Pathpoint quote today.

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