Pressure Washing Insurance
It’s well known that business owners without proper business insurance risk financial loss to job site accidents.
Find out the pressure washing insurance policies that can protect your business and mitigate the risks in the pressure washing industry here.
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What is Pressure Washing Insurance?
Pressure washing insurance is essential business insurance (e.g., general liability insurance) customized to provide financial protection to pressure washing businesses.
All pressure washing contractors must carry an insurance policy for optimal business protection, to get more customers, and other benefits. We look into some of those below, but first, let’s talk about prices.
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Instant Free QuoteHow Much Does Pressure Washing Insurance Cost?
The premium for insurance products varies. The cost is usually determined by the method of purchasing, the insurance provider, and other factors like business location, number of employees, equipment, claim history, and general risk level. It’s mainly advisable to try and purchase needed insurance policies through licensed insurance agents to get the best deals.
Pressure Washing Insurance Rates And Coverage
This table displays typical rates and coverage for Pressure Washing General Liability for $1 Million/$2 Million Policy.
| State | Coverage | Next Insurance | Ace Insurance | Rockingham | PCIC | United Specialty | Shield |
|---|---|---|---|---|---|---|---|
| IL | 1M/2M | $3720 | $2910 | $2720 | $2850 | $4110 | $No Coverage |
| IN | 1M/2M | $2850 | $2720 | $4110 | $2990 | $2440 | $2600 |
| CA | 1M/2M | $3110 | $2990 | $3450 | $4110 | $2680 | $2950 |
| PA | 1M/2M | $2440 | $2650 | $2860 | $3070 | $3280 | $3490 |
| NY | 1M/2M | $4220 | $2650 | $No Coverage | $2750 | $2880 | $2750 |
| GA | 1M/2M | $2950 | $3110 | $3410 | $3100 | $2780 | $2990 |
| FL | 1M/2M | $2950 | $3410 | $3880 | $2450 | $2720 | $3100 |
| CO | 1M/2M | $3410 | $2650 | $No Coverage | $2770 | $3410 | $No Coverage |
Annual premium above includes unlimited certificates of insurance.
Rating assumes 150,000 gross revenues for roofing/general contracting with 10% subcontractor costs.
Premium are subject to underwriting approval and financing charges may apply.
Business Insurance Policies Applicable to Pressure or Power Washing Business
There is a lot of insurance for pressure washing businesses. The appropriate small business insurance you need depends on your business structure and how you operate it. Below are the vital small business insurances you need:
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Business Insurance Policies Applicable to Pressure or Power Washing Business
There is a lot of insurance for pressure washing businesses. The appropriate small business insurance you need depends on your business structure and how you operate it. Below are the vital small business insurances you need:
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Contractor’s Errors and Omissions Insurance
It is also known as professional liability insurance. It helps business owners defend claims resulting from professional negligence or mistakes which may have caused a client to lose money. An example is losing control of a pressure washer, causing water damage to property. The policy coverage includes actual/alleged professional negligence, personal and advertising injury, and legal defense & judgment cost.
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Commercial Property Insurance
This policy is vital for businesses with rented or owned spaces. It protects commercial property, business equipment (e.g., pressure washers), inventory, misplaced locks & keys, etc. For owned properties, the insurance coverage covers your power washers and other pressure washing equipment while on the premises and the building. This policy pays for lost income, operating expenses, and equipment & inventory damage.
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Commercial Auto Insurance
The commercial auto policy covers medical expenses, collision repair, and rental reimbursement your business might need to pay if the business-owned vehicle causes an accident. Personal auto insurance doesn’t suffice for commercial purposes because it doesn’t offer coverage for accidents while on a business endeavor. Hence, you need this auto insurance to protect your rented or owned business vehicles.
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Workers’ Compensation Insurance
Businesses that hire employees need a workers’ compensation policy. It covers medical costs and lost wages after a workplace injury. Most states usually require workers’ comp for businesses with employees.
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Tools and Equipment Insurance
The tools and equipment insurance offers coverage that protects gears and equipment (e.g., a pressure washer) and covers resulting costs from theft or damage of employee tools and clothing, rented/owned tools, etc.
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Inland marine insurance
is another policy that can protect your equipment; it offers almost the same coverage as this insurance policy.
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Business Owners Policy
This is a policy bundle that includes general liability, professional liability, and business interruption insurance. It protects you from losing income, prevents financial losses, and also covers the financial implications of most risks your business can face. It can be customized to include the coverage you need for your business.
Why Do Pressure Washing Services Need Business Insurances?
Every pressure washing business needs pressure washing business insurance for various reasons. Below are some of the common ones:
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Protection From Financial Loss
This is the most apparent reason for a pressure washing business to purchase pressure washing liability insurance. General liability policy and other pressure washing insurance cover the principal financial obligations that may result from third-party property damage, third-party bodily injury, and other accidents on the job site. These coverages protect your business from losses and ensure you don’t pay for damages out of your pocket.
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Law Requirements
Most states require that businesses with employees carry workers’ comp, which protects the workers from medical payments and loss of wages resulting from accidents. Some states require basic general liability insurance before you can run your services commercially.
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To Win Jobs / Increase Patronage
Most states require that businesses with employees carry workers’ comp, which protects the workers from medical payments and loss of wages resulting from accidents. Some states require basic general liability insurance before you can run your services commercially.
Frequently Asked Questions (FAQ)
The following are common questions about Pressure Washing Insurance.
Insurance is for you to protect yourself and your business. It saves you from unforeseen risks. Hence, you should get your business insured irrespective of your state. Operating a pressure washer in Florida doesn’t need any special license, but if you’d be using it on a commercial scale, it’s best to check in with local rules and regulations.
Every business is profitable if you can offer your target audience quality at the best price. Your periodic earnings from this business depend on your scale operation. Commercial businesses make above $1000 per week when there’s a high inflow of demands.
Starting a business usually requires a license. It’s a form of registration that informs appropriate quarters about your intention. It helps the government track your taxes and confirms your business’s legitimacy. You need one to start this business, and you can always contact your state’s local county deputy clerk’s office for more information.
A typical business owner’s policy is a coverage bundle containing general liability, business interruption, and commercial property policy. It can sometimes be customized to include other coverages, e.g., professional liability. It eliminates the need for businesses to buy multiple policies separately, saving costs.
Working with a licensed agent to buy needed policies saves time, money, and stress. Independent agents like us can get you free quotes from multiple insurers within a short time. That allows you to compare rates, coverage, and other essential aspects to get the best deal. ContractorsLiability.com is one of the licensed and reliable independent agents. With us, you get what is best for you.
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