Pressure Washing Insurance

Pressure Washing Insurance

Get protection for your pressure washing business with a customized policy that suits your needs.

Zensurance - Pressure Washer Business Owner

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Insurance for pressure washing businesses

Contractors, professional cleaners, and businesses that use high-pressure hot water spraying to remove a broad spectrum of dirt, grime, and mould from surfaces such as buildings, asphalt, and vehicles can be held liable for any damages they cause to their clients or their possessions and properties. A pressure washing insurance policy is designed to protect you from claims or lawsuits resulting from your services.

Pressure washing insurance is a customized policy containing different coverages that provide you with financial support if a client alleges wrongdoing or sues you. It also covers your business’s operations and equipment against damage and loss following an insurable event, such as a fire. In some provinces, it may be a legal requirement for you to carry insurance because of the risk pressure washing poses to people and property.

A comprehensive pressure washing insurance policy may include the following coverages:

  • Commercial General Liability (CGL) Insurance: CGL is the foundation of most business insurance policies regardless of industry or profession. It’s designed to give you financial support for third-party bodily injury or property damage claims or lawsuits resulting from your business’s regular activities. It may also include product liability insurance for any product you sell or supply.
  • Tools and Equipment Insurance: Protecting your business’s assets includes shielding your expensive tools and equipment from theft, vandalism, or damage resulting from extreme weather, a flood, or fire. Tools and equipment coverage reimburses you for damage or loss of any transportable tool or equipment you need to do your job.
  • Pollution Liability Insurance: Any professional or organization offering pressure washing services should add pollution liability coverage to their policy. It covers the cost of third-party injury or environmental property damage whether instant or gradual because of your work, the cleaning solutions or chemicals you use, and any pollution exposure you may trigger while removing mould and other harmful elements.
  • Errors and Omissions (E&O) Insurance: Also called professional liability insurance, E&O insurance protects you from allegations of negligence, wrongdoing, mistakes, or failing to deliver a service as promised that causes your clients physical or financial harm. It is designed to cover your legal expenses and damages related to your services. Any professional or business that is paid for advice or performing a service should have E&O coverage in their policies.
  • Commercial Property Insurance: Commercial property insurance covers the cost of damage or loss to your business property, contents including inventory, furnishings and office equipment caused by a natural disaster, fire, flood, theft, or vandalism. If you rent or lease a commercial space, it covers the cost of any improvements you make to the property as a tenant.

You may require additional coverage for your operations. Speak to a licensed Zensurance broker if you have any questions.

The cost of pressure washing insurance policy is determined by insurance providers that consider several factors, such as:

  • The industry you’re in and the services you provide
  • Your business’s size and location
  • Your clients’ locations
  • How many employees you have
  • Years of experience
  • Your annual and projected revenues
  • Your history of insurance claims

If you have questions about how much coverage you need, chat with one of our licensed brokers and discover how a customized insurance policy can help protect you.

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Common claims scenarios

Problem: A tree on your property falls during a windstorm and inflicts significant damage to your office building.

Outcome: Your commercial property insurance may pay to repair the damages to your roof.

break in theft

Problem: Some of your expensive pressure washing equipment is stolen overnight from your storage shed.

Outcome: Your tools and equipment insurance may cover the cost to replace the stolen equipment.

power washing client's home

Problem: After power washing the vinyl siding on a client’s home, your client alleges you damaged the exterior paint on the house.

Outcome: Your commercial general liability insurance may cover the cost to repair the damage to your client’s home.

Frequently asked questions

What types of surfaces can a pressure washer damage?

A pressure or power washing machine is capable of damaging almost any surface you can think of, including concrete, brick, wood, vinyl, metal, and painted surfaces.

Will my pressure washing insurance policy cover my employees if they are injured?

No. Your pressure washing insurance policy is designed to cover third-party personal injuries and property damage, your equipment and business premises, and any mistakes you or your employees make. You need workers’ compensation insurance that’s provided by your province to cover any injuries to your employees while they’re working.

Can I get a temporary, one-day policy to cover me for a pressure washing job?

Zensurance provides annual policies. Purchasing an annual pressure washing policy provides you with coverage for a full year so you can take on new jobs or contracts that require insurance.

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