FROM OUR PARTNERS
Pressure washers are dangerous tools and regardless of the safety precautions you may take, an accident can happen sooner or later. Pressure washing insurance can cover you for liabilities. We’ve evaluated the best pressure washing insurance providers based on coverage, financial stability, customer satisfaction, and overall quality.
Simply Business provides insurance policies for a range of professions and small businesses.
For more than 200 years, the Hartford Insurance helped over 1 million businesses just like yours.
Coverwallet began its journey in New York City in 2015 operating under the Aon Insurance banner. At Coverwallet, you can access everything you need to keep your company well-protected at an unbeatable price.
Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.
With a 100-year history of insuring businesses, Hiscox is well-known across America and globally. With more than 500,000 small business customers, Hiscox is fully aware and trained in the unique risks a business can face.
Thimble provides business insurance that can be tailored to your business by the year, month, day, or even the job. At Thimble, the process to getting the right business insurance is simple, scalable, and flexible.
Although it seems like a simple task moving the pressure washing wand back and forth to clean, it can also carry a substantial risk of both bodily injury and property damage. Pressure washing insurance can help mitigate your risk by protecting your business, employees, and assets from financial burdens you would otherwise be paying for out of pocket.
Any business that incorporates a pressure washer as a regular activity would benefit from pressure washer insurance. These types of businesses can include (but are not limited to):
Looking for pressure washing insurance policies can be exhausting. You should consider the different types and select the one(s) that give you the best coverage for the pressure washing services you offer.
Common types of pressure washing insurance
Also referred to as business liability insurance, general liability insurance protects your business from claims that may occur from bodily injury, personal injury, and property damage.
This type of business insurance protects the business’s vehicles when they are on the road in the event of an auto accident. It can help cover expenses for bodily injury and property damage.
Workers’ compensation insurance will cover the medical expenses, rehabilitation, and lost wages if an employee gets injured or sick while on the job. The employee is covered regardless of who is at fault.
Unlike workers’ compensation insurance, employer’s liability insurance protects your business from employees that may file a lawsuit blaming your business for negligence that led to an injury. Coverage could include attorney fees, settlements, or court fees.
This type of insurance covers any real estate owned by your business, equipment, and inventory. It is best for owners that rent or own physical locations.
Protects your pressure washing gear regardless of where you store it. It can be in your vehicle, at a job site, or a storage unit. It covers your tools for theft or damage.
To further protect your business, you can take out an umbrella policy that can cover any expenses that exhaust another policy’s limits.
Care, custody, and control or faulty workmanship coverage may be excluded from coverage in your policy and will need to be purchased as additional coverage. Be sure to read all of the exclusions.
The limits for your pressure washing business depend on the types of coverage you need. General liability coverages can range from between $1,000,000 to $5,000,000. For equipment coverage, you could be looking at limits of between $1,000 to $5,000. The limits you choose will need to match your potential financial obligation based on the unique needs of your business.
For a one person operation with decent equipment and tools, a lower policy would probably be sufficient. If you own a company with a few different teams of employees who go to job sites, you may want to consider looking at a policy with higher limits.
The same logic applies to the type of power washing your business does. If you stay within the bounds of driveway, pavement, or generally staying on the ground, a lower limit may be sufficient. If you take more dangerous jobs like power washing roofs and gutters, a higher limit may be required.
There are different factors that can affect how much pressure washing insurance costs. These factors can include (but are not limited to):
Grouping policies together with the same insurance provider can help save money through discounts.
Here are some useful guidelines to help you decide the best pressure washing insurance policy for you:
