Pressure Washing Insurance

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What does pressure washing insurance cover?

Pressure Washing Insurance usually includes general liability insurance, so you’ll be protected against claims of bodily injury and third party property damage, and associated defense costs and medical expenses.

Here are a few examples of liabilities that Pressure Washing Insurance covers, so that you can see just how a general liability policy would work for your business:

Bodily injury

You leave a hose running across your customer’s driveway. If they trip over it on the way into the house, you could be held liable for their medical expenses.

Property damage

You crank the PSI on your machine to try to speed up the job. If you accidentally graze some of a client’s expensive lawn decor, you’d likely be responsible for the repair or replacement.

Personal and advertising injury

Growing a business often means you’re trying to edge ahead of the competition. If you start advertising your services compared to someone else and your competitor claims your ads were defamatory, you might need insurance to help you “lawyer up.”

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Quick thinking insurance for small businesses.

How much does Pressure Washing Insurance cost?

Pressure washing businesses on average pay $121 per day, $103 per month or $,1233 per year for general liability insurance. With Thimble, you can purchase a policy by the job, month or year, so you’ll only pay for the time you’re working.

It’s always best to get a quote in order to understand exactly what your insurance will cost you, but a quote from Thimble is based on just a few important factors:

Policy Length – If you’re purchasing insurance for a one-off pressure washing gig, then the duration of your policy could be as short as an hour. On the other hand, if you’re booking pressure washing jobs year-round, then purchasing insurance for a longer-term basis could be the more cost effective option.
Who’s Covered – You also need to decide how many people your pressure washing business insurance policy will cover. Included in this list of covered individuals should be any employee or volunteer who helps you complete your pressure washing services. Making the investment to insure your entire team now could save you untold sums down the line.
Policy Add-Ons – Finally, many pressure washing insurance policies allow you to tack on coverage for additional, adjacent business activities. For instance, Thimble allows you to add on coverage for similar services like exterior painting and chimney cleaning. With this add-on coverage, you can customize your policy to cover all of the services you might perform for customers. This add-on coverage will broaden your policy and allow you to avoid purchasing individual, one-size-fits-all policies for each service you perform.

One major tip for saving on insurance for pressure washing services: never pay for more than you need. With Thimble, you won’t find yourself locked into an overpriced, inflexible policy. Get affordable, customized coverage by the job, month, or year instead, and get your Certificate of Insurance in minutes. Plus, if you need to add your clients as Additional Insureds, you can tack them onto your coverage with Thimble instantly.

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Why do I need a pressure washing insurance policy?

Pressure washing isn’t the most death defying occupation on the market, and you probably didn’t get into the pressure washing business for an adrenaline rush, so why would you need pressure washing insurance?

Despite its steady nature, a pressure washing career comes with a handful of risks that are associated with most any profession. To make sure your pressure washing business stays in business, you need to protect yourself from financial risks. And the best way to do that is purchasing small business insurance.

Not to mention, most clients and partners will require you to come to the table with your own pressure washing business insurance—and a Certificate of Insurance to verify your coverage.

So, now you know how pressure washing insurance works. Accessing this form of coverage will help you protect yourself and your pressure washing business from financial risks.

Plus, it will help you score clients because of the protection it offers all parties involved. Now that you’re familiar with the ins and outs of insurance for power washing businesses, your next steps to coverage are as simple as a few clicks.

What other kinds of business insurance do pressure washing businesses need?

You’ve learned that general liability insurance for a pressure washer covers your business against third-party bodily injury, property damage, and personal injury claims, but many pressure washing businesses have more equipment or crew members that need more protection. Depending on the size and nature of your business, check out a few other insurance coverages and how they might apply to you.

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Workers’ Compensation

Workers’ compensation covers the costs related to your employees’ workplace injuries and illnesses, and it’s required in just about every state. Your team is your most valuable asset, so it’s crucial that you protect your business and team.

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Professional Liability Insurance

Professional liability insurance, also called errors & omissions (E&O) insurance, covers claims of financial loss as a result of providing—or failing to provide—professional services properly.

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Business Owners Policy

A business owners policy or “BOP” is all the coverage most small businesses need in one easy package with two main areas: commercial property insurance and general liability insurance.

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Business Equipment Protection

Business Equipment Protection is a type of first-party insurance that covers business equipment that you own, rent or borrow and is used in connection with your business. (Other insurance companies for small businesses call it inland marine insurance, but we like to keep things clear and simple.)

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How do I get Pressure Washing Insurance with Thimble?

Now that you’re familiar with the ins and outs of insurance for power washing businesses, your next steps to coverage are as simple as a few clicks. Just tell us your ZIP code and how long you’ll need coverage, and we’ll provide you with options instantly, customized to serve the specific needs of your pressure washing business. The whole process can be completed online, or we’ve got a whole support team of licensed insurance agents on standby to help answer your questions.

Get power washing insurance coverage when you need it, by the job, month, or year in minutes.

(No pressure.)

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Pressure Washer Insurance FAQs

What if I only need Pressure Washer Insurance for a few hours?

No problem. With Thimble, if you’re purchasing pressure washing liability insurance for a one-off gig, then the duration of your coverage could be as short as an hour. On the other hand, if you’re booking pressure washing jobs year-round, then purchasing insurance for a longer-term basis could be the more cost effective option.

Luckily, the pressure washing insurance that Thimble arranges allows you to customize your policy length by the job, month, or year, so you’ll only have to pay for the coverage you actually need.

How fast can I get a Certificate of Insurance?

If you use Thimble to purchase liability insurance for your pressure washing business, you’ll be able to access your Certificate of Insurance instantly. Whether you need to pull your COI up immediately after purchasing your policy, or you need to access it months later to confirm the details of your coverage, you can access your COI through the Thimble app.

What are the policy limits?

The Power Washing Business Insurance arranged by Thimble can come with either a $1,000,000 or a $2,000,000 policy limit. Deciding to invest in a higher policy limit could mean the difference between partial and complete claim coverage.

Is Pressure Washing Insurance required by law?

In many cases, no; while general liability insurance might not be required by state or federal law in order to operate a pressure washing business, if you want the job, you’ll usually have to provide proof of business insurance for pressure washing. We’ve also covered how it can be a huge financial protection and a sign of legitimacy for your company.

And while general liability may not be required by law, if you’ve got even a single employee, workers’ comp usually is! Always consult your state government’s latest guidelines.