Owning a pressure washing company can be a great, affordable way to start your own business while helping people keep their properties looking their best. But as you get started in this industry, don’t forget to factor in pressure washer insurance as one of your startup costs. If you’re not sure why you need insurance for pressure washing, you should take a look at some of the ways the right coverage can protect your company.
Pay for Property Damage
Pressure washing is a great way to get rid of the most stubborn stains, as the equipment used in this industry is very effective. But at the same time, the equipment that works so well on strong surfaces like concrete can be destructive when it’s used on less robust areas. That means if your employees make a mistake when pressure washing a property—and cause damage to any part of the home—your customer will expect you to pay for repairs.
When you have pressure washer insurance, you won’t have to pay for the damage yourself because your general liability coverage will kick in. Without it, you’ll be expected to cover the damages or face a lawsuit from your customer—which can be expensive and bad for your reputation. So cover your bases and get pressure washer insurance in case you or your employees cause any property damage to a customer’s house or business.
Cover Medical Bills After an Injury
By the same token, it’s possible that someone will get hurt as a result of your services. Whether a customer trips over a hose or is accidentally hit by the water from the pressure washing equipment, you’ll be responsible for the medical bills if you don’t have insurance. This could mean you’ll be paying out of pocket for a hospital stay, physical therapy, any necessary ongoing medical care, and lost wages.
If you have pressure washer insurance, though, the general liability portion will pay for any costs related to injuries caused by your business. Not only will this save you thousands of dollars for each incident, but it can also help your customers rest assured that if they get hurt as a result of your services, your company will cover the costs as they recover.
Protect Your Employees
Another benefit of pressure washer insurance is the ability to give your employees peace of mind. After all, they deserve to be covered by workers’ comp, which will pay for their medical bills if they’re ever hurt at work. In this industry, work injuries are a real possibility that every employee needs to be aware of. That’s why the average pressure washer insurance policy features workers’ comp, which will pay for the medical bills and missed wages of any injured employees.
In addition, you’ll have the option of adding commercial car insurance to your pressure washer insurance policy. This will pay for any costs incurred by employees when they get into a car accident on the way to or from a pressure washing job. After all, they’ll be driving often for this career, and their personal car insurance typically won’t pay for the medical bills and car repairs if the accident happened on the way to a jobsite. So you should have pressure washer insurance with commercial auto coverage just in case.
Keep Your Business Property Taken Care of
Finally, a big benefit of pressure washer insurance is the option to get coverage to protect your business property. For example, if you get coverage that applies to your business location and the contents within, you won’t have to worry about paying out of pocket if something happens to your office. So if a fire destroys your office and the furniture within—or if a burglar steals your office computer—your pressure washer insurance will pay for any repairs or replacements.
Similarly, if you get tools coverage as part of your pressure washer insurance, you’ll have protection for any tools and equipment that you bought or are renting. This means if the tools you need for your business are damaged, lost, or stolen, they can be quickly and easily replaced through your pressure washer insurance policy.
Clearly, there are many reasons to get pressure washer insurance in order to protect your business. And there are lots of coverage options to choose from, depending on the size, location, and budget of your company. If you want to find out more, reach out to your local business insurance agency to get a quote for pressure washer insurance.