Pressure Washing Insurance

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Best pressure washing business insurance

Whether you refer to your business as power washing, pressure washing, power sweeping, or pressure sweeping, there are risks associated with this type of business. When it comes to operating equipment on your property and on other people’s property, and managing customer data and payments digitally, business owners have a lot to protect. And, these risks can amplify when your business grows, whether you’re adding employees, equipment, or expanding your coverage territories with new a new fleet.

Getting covered with the best pressure washing insurance policy is simple. Get a custom quote that ensures you only pay for exactly what you need so you have coverage for costly liabilities like damages, losses, breaches, and more.

What does pressure washing insurance cover?

The best business insurance for pressure washing businesses start with commercial general liability policies. General liability insurance for pressure washing businesses can help protect against claims of bodily injury and third-party property damage, as well as providing an investigation and associated defense of claims. General liability policies don’t always cover customer property protection, either, so it’s important to understand what is covered and what isn’t in your policy.

In addition to general liability insurance with an option to include Thimble’s customer property protection, there are other small business insurance coverages that pressure washing business owners should consider, like cyber insurance, business equipment insurance, and more.

First things first: let’s start with examples of liabilities that pressure washing insurance could cover so you can see just how a general liability policy would work for your pressure washing business.

Bodily injury

You leave a hose across your customer’s driveway. If the customer or a visitor trips 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 pressure washing machine to try to speed up the job. If the pressure accidentally causes damage to some of a client’s expensive lawn décor, which you were NOT hired to clean, 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. For example, you may need protection from claims arising from advertising-related actions, including defamation, slander/libel, copyright infringement, and more. Coverage can help with the investigation of the claim, the providing of a defense, even if the claim is false or fraudulent, and, where appropriate, settlement of the claim.

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Customer Property Protection

Customer Property Protection helps protect businesses that regularly handle their customers’ belongings. This coverage comes in handy if you damage the items on which you are working while performing pressure washing services.

Isn’t this already covered under my general liability insurance?

Maybe not. Many insurance companies will remove this coverage from your general liability insurance as it is considered a “business risk” for your operation. At Thimble, we understand small businesses need all the help they can get. So, we empower you to buy back some of this essential coverage for a sub limited amount.

What’s covered in Customer Property Protection for Pressure Washers:

Customer property in your care, custody, or control. This coverage helps pay for restoration, repair, or replacement costs if you damage customer property that is under your care or control and you’re responsible for keeping it safe.

Property damage to the property on which you or your subcontractor is performing work. This insurance helps cover damages if they are working on customer property on your behalf.

The policy provides claim investigation of and defense for claims – even if they end up not being valid.

How much does Pressure Washing Insurance cost?

Pressure washing businesses can purchase a policy by the job, month or year, so you’ll only pay for the time you’re working. Every policy is uniquely calculated, and quoted, to suit the unique business needs, so the best way to determine how much your insurance could cost is by answering a few questions to get a no-commitment quote here.

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 (in many states) 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 year could be the more cost-effective option. When opting for an annual plan, you can pay in full up front to save your hard-earned cash, or pay in installments to make it easier on your cashflow – it’s your choice!
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 crew member 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 services you might perform for customers. This add-on coverage will broaden your policy and allow you to avoid purchasing individual 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, often at no additional charge.

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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 one of the many ways you can protect your small business from bigger financial risks is by 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 in order to qualify for the job in the first place, and they will likely ask for your Certificate of Insurance to verify your coverage. Thimble makes it easy and fast for 3rd parties to verify your coverage is active and legit so you can get to work. (There’s a link on your Certificate of Insurance they can follow to confirm it’s active before they even hire you.)

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 a package that incudes the basic coverages that most small businesses need: 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 in most states. 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 can I prove I have insurance right away?

When you buy a policy with Thimble, we make it easy to access proof of insurance in just minutes. Just click “Get a Quote,” and answer a few questions. Once you purchase your policy, you’ll get your COI right away in your app and email inbox. And you’ll have access to your COI from our mobile app any time you need it in the future.

How fast can I get a Certificate of Insurance?

If you use Thimble to purchase general liability insurance for your pressure washing business, you’ll have access your Certificate of Insurance to prove you have active coverage. 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 what limit you you need depends on your own unique business risks.

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.