The pressure washing business is associated with various risks that could potentially lead to severe consequences if not properly insured. Pressure washing businesses face risks, including property damage, injuries to employees or customers, and liability if something goes wrong.

Pressure washing businesses need to have insurance to protect themselves from these risks. There are various types of insurance that a business needs, depending on the specific risks that the business faces. Some of the most common types of insurance for pressure washing businesses include property damage insurance, liability insurance, and workers’ compensation insurance.

Why You Need Insurance

Businesses in the pressure washing industry face more risks than most, so they need insurance. Without it, they could be forced to close their doors if they face any financial consequences from a risk. Many different insurance policies are available to pressure washing businesses, so they can choose the one that best suits their needs. Insurance can help protect your business from potential risks, including those posed by other businesses.

Insurance protects businesses from risks that could potentially harm third parties. For example, if a pressure washing delivery vehicle causes an accident or an employee of the business is injured while installing a heavy machine, the business will be protected from liability.

If an employee is injured on the job, their medical expenses and lost wages will be covered by the company’s insurance policy. If a company does not have this type of insurance, it may be subject to heavy fines or even shutdown.

Common Policies Covered

Here are the insurance policies typically purchased by those in the pressure washing business:

General Liability

General liability insurance is a type of insurance that provides protection against a variety of risks that businesses may face, such as bodily injury, property damage, personal injury, and more. This type of insurance is important for businesses to protect themselves from potentially costly lawsuits or other damages resulting from these risks.

Though general liability insurance is not required, it is highly beneficial for businesses. Without this insurance, businesses are at greater risk of failing due to the potential liabilities they face. Even one incident could result in high legal fees that could bankrupt the business.

Workers’ Compensation

Workers’ compensation is a type of insurance that provides benefits to employees who are injured or become ill due to their job. Benefits can include medical expenses, income replacement, and death benefits. Workers’ compensation is typically mandatory in most jurisdictions, meaning employers must provide coverage for their employees.

This policy provides insurance coverage for employees who are injured or killed while on the job. This is important because handling pressure washing machines is inherently dangerous. This policy protects employees from medical expenses, injuries, and death due to on-the-job mishaps.

Commercial Auto

Businesses that use vehicles on public roads must have commercial auto insurance. All states require businesses to have insurance to use vehicles on public roads. Commercial auto insurance is the cheapest and most efficient way to insure vehicles used for business purposes.

Commercial Property

This policy will protect the business if any damage is caused to property belonging to the company or if any of the machinery is damaged or stolen.


Pressure washing businesses should get insurance to protect themselves from potential liabilities. Without insurance, businesses could be held liable for any damages that occur during a pressure washing job. In addition, insurance can help businesses cover the cost of repairs if the equipment is damaged during a job.

Pascal Burke Insurance Brokerage Inc. are specialists in an array of policies that cover not only general cases but also specialty contractors. You won’t have to worry about breaking the bank with our great rates! If you want to get pressure washing business insurance, we’ve got you covered! Get in touch with us today!