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, all this considered, 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 career. 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.

Pressure washing insurance can help you access right-now opportunities and protect yourself from future financial risks. And with Thimble, you can make it happen all with a few clicks.

Here are the details on the pressure washing business insurance that Thimble arranges:

How much does Pressure Washing Insurance cost?

With Thimble, you can purchase policies by the hour, day, and month, so you’ll only pay for the time you’re working. Get an instant quote to better understand exactly how much it will cost.

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The cost of your Pressure Washing Business Insurance policy depends on a few moving parts:

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.

Luckily, the pressure washing insurance that Thimble arranges allows you to customize your policy length down to the hour, so you’ll only have to pay for the coverage you actually need.

Who Your Policy Covers
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.

Additional Insureds
Any client who contracts your pressure washing services may need to be added as an Additional Insured on your policy. With Thimble, each Additional Insured added to a policy is free.

Say, for instance, there’s a home services company that gives homes quick touch-ups before they go on the market. Their in-house pressure washer is on leave, so they contract you to complete their pressure washing services while she’s out. You’ll need to add this company to your pressure washing business insurance policy as an Additional Insured so that your work for them will be covered.

Coverage Limit
The coverage limit of your policy is simply the dollar amount of the coverage you’ll be able to access from your insurance provider if a claim is made.

The pressure washing business insurance policies that Thimble arranges 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.

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.

What is covered under the Pressure Washing Liability Insurance policy?

To better understand why pressure washing liability insurance works, you should consider the different kinds of risks a typical policy could respond to. With the purchase of a Pressure Washing Liability Insurance Policy, you will 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

Imagine you’re sprucing up the exterior of your client’s home. They have a white house, but the springtime pollen has essentially turned it yellow. They enlist you to pressure wash their home and get it back to its pristine resting state.

However, while you’re performing your job, your client comes out to deliver you a glass of water. On the way, he trips over the pressure washer hose that leads from your truck to you. He damages his elbow in the fall, and his injury that keeps him out of his job as a minor league baseball pitcher.

Because your pressure washing General Liability Insurance covers bodily injury, you’re able to file a claim to cover his income losses due to the injury he sustained from your materials.

3rd Party Property Damage

To reach your clients’ porch and pressure wash it, you have to walk through their home and, most importantly, their in-house rare gems collection. As you make your way to the porch, your elbow grazes a gem’s display case, which was already perched precariously. The display case shifts, and the gem falls to the ground, shattering into thousands of pieces. Your client demands compensation for the gem, and it’s no small sum. You’re able to file a claim with your pressure washing General Liability Insurance policy for third party damage, so you don’t have to bankroll the gem replacement out-of-pocket.

Defense Costs

Even if you do everything right, you’re still vulnerable to unfounded claims. If a customer files a claim against you—no matter how far-fetched it might be—you still have to pay for defense costs.

For example, imagine that a client said your pressure washing services made their paint chip and, as a result of the chipping paint, their house sold for less than it was worth otherwise. They sue you for the difference they think the chipped paint made in the house’s price.

You’re sure you did an amazing job on the house, and you’ve never made paint chip in your entire career, but you’ll have to pay for a lawyer to help you prove that. Fortunately, your pressure washing General Liability Insurance covers defense costs, so you don’t have to pay out of pocket to lawyer up.

Medical Coverage

Your baseball player client with the hurt elbow also needs expensive surgery. You’re on the hook for the copay, and it’s looking like it will be a huge chunk of change. But, because your General Liability Insurance for your pressure washing business covers medical costs, you avoid paying out of pocket.

How quickly can I get a Certificate of Insurance?

If you use Thimble to purchase small business insurance for power washing services, 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.

Do you need Pressure Washing Insurance? 

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.

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