TRUiC Details The Importance of Insurance For Pressure Washing Businesses

There are a plethora of risks associated with the pressure washing business, perhaps more than the amount the average business would be exposed to. This makes it even more important for businesses in this industry to ensure that they are adequately protected since the costs of not being so are severe.

This article will outline in more detail the reasons why it is important for businesses to have appropriate insurance, before exploring the popular policies for businesses in the pressure washing industry and how one can find business insurance for themselves. It is important to note that the risk management efforts of insurance are not limited to the single-firm setting.

Why Have Insurance?


Insurance is vital to a business’s vitality because remaining unprotected leaves one open to risks with financial consequences that could easily cause a small business to go under. While businesses in the pressure washing industry are exposed to more of these risks, fortunately, there are a number of insurance policies they can implement.

It is important to note, before continuing, that the risk management effects of insurance also extend to the multiple-firm dimension. Moreover, it can be used to prevent the free-riding of other pressure washing businesses in competition with your business.

This works because, where there is a disparity in the capital between firms, those that are not wealthy are not incentivized to exert effort because of reduced liability. However, with insurance, wealthier firms are able to acceptably pledge themselves to lower effort, thereby limiting the reasons for less well-off firms to free ride.

Additionally, insurance ensures that third parties are protected from risks the operation of your business may expose them to. For example, any cars or pedestrians that could be involved in an accident as a result of your pressure washing delivery vehicle, or by an employee of your business in the installation of a heavy machine.

All of this also fails to mention that there are instances in which insurance is a legal requirement for businesses. For those in the pressure washing industry, one example of this might be workers’ compensation, which is required in the majority of states to make certain that employees of companies are adequately protected.

Popular Policies

General Liability

There are a number of common risks that all businesses are faced with, regardless of the industry they operate in. General liability protects against these seemingly omnipresent risks and is the most common policy for businesses to invest in.

Despite its usefulness, general liability insurance is not required by law, though it is still highly recommended. Running a business without it is almost asking for it to fail due to the number of potentially fatal liabilities you are opening yourself up to. The damages from even one of these risks could result in astronomical legal fees that could bankrupt a business.

Workers’ Compensation

As soon as your pressure washing business begins to hire employees, it will be necessary to invest in workers’ compensation for them as it is a legal requirement. For the most part, it is legally required at a state level for full and part-time employees to be protected in this way.

Some of the risks this policy insures employees against include: medical intervention, injury, and death due to on-the-job mishaps. Due to the fact that the job of handling pressure washing machines is inherently dangerous, this policy is in the best interests of everyone.

Commercial Auto

Of course, the pressure washing units and installation equipment must be transported somehow, and the cheapest and most efficient is via vans or trucks. This will render commercial auto insurance a necessity as all states require businesses using vehicles on public roads to be protected by it.

Commercial Property

The final insurance policy pressure washing businesses should protect themselves with is commercial property. This is due to the expensive and complex nature of the highly technical machinery that is relied upon. Replacement or repair of even the accessories to these machines could prove costly due to their specialist nature.

Our Thoughts

Evidently, insurance is paramount to businesses in the pressure washing industry. For a more in-depth look into pressure washing insurance, please see TRUiC’s article on the subject.


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