What Insurance Do You Need for a Pressure Washing Business?
What Insurance Do You Need for a Pressure Washing Business? Despite training and experience, a lot can go wrong quickly with pressure washing. Use the
Despite training and experience, a lot can go wrong quickly with pressure washing. Use the wrong setting on the wrong surface, and your new business could be looking at a hefty lawsuit from a property owner. New business owners should make it a priority to have proper insurance for their business before they start booking customers. Keep reading to learn about the different insurance coverage types you may want to consider if you have a pressure washing business or are thinking of starting one.
Shopping for insurance for a small business can be time-consuming, especially when you are juggling calls from new customers, marketing, and driving to different locations.
At Cross Insurance, we work with over 100 insurance carriers, which means more options. With offices located throughout the Northeast, one of our experienced insurance professionals may be closer than you think. Reaching out to our team to review coverage or request a quote is as simple as filling out our form here. If you prefer to call an office directly, you can find a list of our office locations here.
Working with other people’s property can expose you to all sorts of risks. In today’s day and age, lawsuits are all too common. Below are some potential scenarios that could happen when pressure washing:
What a business owner may pay per year to cover the costs of insurance relies on a variety of factors. These factors may include:
To get a more accurate depiction of what you might pay, reach out to your local office to request a quote.
General liability insurance helps protect your business against financial liabilities that result from certain types of accidents for which you are legally liable. General liability policies apply to claims for bodily injury or property damage that your business causes to third parties.
Do you drive a vehicle as part of your power washing business? A personal auto insurance policy, as opposed to a commercial auto insurance policy, does not provide liability coverage if you are driving for hire (sometimes referred to as “using your vehicle for public or livery conveyance”). Reach out to request a quote for commercial auto delivery services. Once you reach out, an insurance professional will likely need:
A BOP, or business owner’s policy, typically bundles two common insurance coverages- general liability and commercial property. Usually, these policies come with a cost savings compared to buying the coverages separately. Depending on what insurance carrier you go through, additional coverages may be available to add-on to a Business Owner’s Policy, such as data breach insurance. In order to see how much your business will pay for a BOP, you can request a quote.
If your business has even one employee, workers’ compensation may be legally required. Worker’s Comp can help cover medical bills for employees who are injured or become ill because of work related events. It can also help cover a portion of lost wages.
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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.
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