Pressure washing is more than just a hose and high-powered spray. It’s a specialized service that enhances curb appeal, protects property value, and improves safety. But with that power comes risk. A cracked window, chipped paint, or a mistakenly damaged surface can quickly turn into a costly claim. That’s where business insurance for pressure washing becomes essential.
At Gild Insurance, we understand the unique challenges pressure washing professionals face. From property damage to bodily injury, we’re here to help you protect your business, your team, and your future.
What Is Business Insurance for Pressure Washing?
Business insurance for pressure washing is a combination of policies designed to protect your company from financial losses due to property damage, bodily injury, lawsuits, or equipment issues. It helps ensure that if something goes wrong on the job, your business doesn’t suffer the full financial burden.
Why Pressure Washers Need Business Insurance
Pressure washing involves high pressure, specialized equipment, and the potential for liability. Even the most experienced technician can make a mistake. And unfortunately, clients may hold your business responsible for damage; whether it was accidental or unavoidable.
Here are some of the common risks that pressure washing professionals face:
- Property Damage: High-pressure streams can crack siding, break windows, or erode surfaces if not handled properly.
- Injury to Bystanders: Flying debris or accidental sprays can injure pedestrians or clients.
- Slip-and-Fall Incidents: Wet surfaces left behind after a job can become slipping hazards.
- Equipment Theft or Damage: Your tools are your livelihood and replacing them unexpectedly can be expensive.
Without the right business insurance for pressure washing, one claim could drain your savings or force you to close shop.
Coverage to Consider
To build a reliable safety net for your business, Gild recommends a few key policies:
- General Liability Insurance: Covers bodily injury and property damage caused by your services.
- Commercial Property Insurance: Protects your equipment, tools, and office space.
- Workers’ Compensation: Required in most states if you have employees, this covers workplace injuries and lost wages.
- Commercial Auto Insurance: If you drive a company vehicle to job sites, this is a must.
Depending on the scope of your services and size of your team, you may also consider professional liability or inland marine coverage for tools in transit.
How Much Does Business Insurance for Pressure Washing Cost?
Depending on your business setup, most pressure washing business insurance plans range between $500 and $1,000 per year. Factors like the type of work you do, your location, and the size of your team can all impact the final premium. Questions such as pricing and more can be found on our FAQ page.
Get the Coverage That Fits Your Business
Whether you’re power washing residential driveways, cleaning storefront windows, or tackling commercial jobs, the right coverage helps you move forward with confidence.
Gild Insurance specializes in insurance for skilled trades and service-based businesses. We make it simple to compare policies, get insured, and manage your coverage online.
Ready to protect your pressure washing business? Get a quote today and find out how Gild can help you stay covered and competitive.