What Does Pressure Washer Liability Insurance Cover

1. What Does Pressure Washer Liability Insurance Cover? Running a successful pressure washing company takes skill, quality equipment, and the right insurance policy to protect employees and customers alike. If you don’t yet have business insurance, it can be tough to know why you need it and what kind of coverage to get. To get started, know that you should get pressure washer liability insurance at a minimum if you want to protect your business long term. Here’s what this kind of insurance covers.

2. Property Damage When you’re doing pressure washing for a living, you and any employees you have are going to be visiting other people’s property on a regular basis. This means you’ll be arriving at homes and businesses with your equipment to perform pressure washing services, and no matter how careful you are, you could end up breaking something while there. This is especially the case if you ever have to enter a home or business to get to the back patio for pressure washing. There’s always the chance that you could brush against an expensive piece of artwork on a wall or a shelf, sending it crashing to the ground. Or you could knock your equipment into furniture, denting or scratching it. Either way, you don’t want to be responsible for paying for the repairs out of pocket, which is why you need pressure washer liability insurance. The third-party damage coverage that’s part of liability will pay to fix or replace anything you or your employees break on the job. Bodily Injury Pressure washer liability insurance also applies to bodily injury that you or your employees might cause a third party. For instance, if a passerby or customer trips over your hose while you’re cleaning a driveway, your pressure washer liability insurance policy will pay for his or her medical bills. This coverage will even pay for any income the injured party is missing out on while recovering at home. And if he or she needs ongoing medical care due to a long-term disability caused by your company, pressure washer liability insurance will pay for that, too. As you might imagine, you could end up owing thousands or even millions of dollars in medical payments without business insurance, so it’s important to get this coverage as soon as you can.

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