If you’re looking for Cullowee house washing professionals near you, you’re likely preparing to thoroughly scrub your property’s walkways, siding, or patio. What you may not realize, however, is that some pressure washing companies will pay for pressure washing insurance while others will not—but what does this mean for the homeowner?
When most people think of pressure washing, they picture someone cleaning their home’s exterior with a high-pressure hose. While this is one common use for pressure washers, there are many other applications as well. Pressure washing is the use of a mechanical sprayer to remove dirt, dust, mud, and other debris from a surface. It can be used on both indoor and outdoor surfaces and is often used in commercial settings. In this article, we will discuss what pressure washing insurance is and why you should hire a business with insurance coverage.
What Is Pressure Washing?
Pressure washing is a means of deep cleaning surfaces by using a water source, a pressure washer and PSI-adjusting nozzle, and various detergents, bleaches, and surfactants. Pressure washing is a relatively efficient way to clean all kinds of surfaces, from wooden decks or vinyl siding to concrete pathways. This cleaning process effectively removes elements like dirt, pollen, grime, dust, mildew, mold, moss, and more—but it improves more than just aesthetics, however. Pressure washing your property is an important part of regular maintenance and may even prevent premature rot, pest infestations, or damage; therefore, it should take place every 6 months to 1 year.
What Kinds Of Things Can Go Wrong With Pressure Washing?
While it might be tempting to think that a little water never hurt anything, you have to remember pressure washing involves not only the use of a motorized pressure washer, but a nozzle with a tremendous amount of pressure behind it—sometimes up to 4,000 PSI! In truth, there’s plenty of room for things to go wrong when it comes to pressure washing. From accidentally burning yourself on the pressure washer’s hot exhaust to lacerations, bruises, or eye injuries that might occur from mismanaged nozzles bucking wildly from the powerful water pressure, it’s no wonder that pressure washers alone account for thousands of emergency room visits in the United States each year.
This is not to mention the damage that an inexperienced pressure washer might incur on the property they are attempting to clean, such as cracking delicate siding, marring wooden decks, or even pockmarking particularly porous concrete. In fact, if a pressure washer isn’t careful, it’s all too easy to apply too much water pressure to a surface in order to “clean it faster” only to damage the property in the pursuit. This is why so many pressure washing companies have decided to invest in pressure washing insurance.
What Is Pressure Washing Insurance?
Like many kinds of insurance, pressure washing insurance is designed to protect an individual or entity from liability in the instance something goes wrong while pressure washing, like property damage or serious injury. It is generally a composite form of insurance that combines multiple kinds of insurance coverage to financially protect an entity.
Who Needs Pressure Washing Insurance?
Pressure washing businesses of any kind, even a one-person startup, really ought to have pressure washing insurance. This is because accidents can happen at any time during pressure washing, from breaking a window to a customer tripping over your hose—which is why so many responsible business owners decide that pressure washing insurance is not an optional cost of business.
How Much Does Pressure Washing Insurance Cost?
The cost of pressure washing insurance will vary based on the circumstances and the potential liability at play, but most business owners pay around $103 per month for coverage. Factors like policy length, business location, employee count, and scope of coverage all determine the ultimate cost.
What’s Covered By Pressure Washing Insurance?
Of course, a business owner can fine-tune their preferences for coverage and opt for more or less insurance, but there are several different kinds of insurance that are generally associated with pressure washing, including:
- General Liability Insurance: This is the most basic form of coverage a pressure washing insurance does well to have. General Liability Insurance covers third-party injury, property damage, and personal injury.
- Commercial Property Insurance: This form of insurance protects you in the event a fire, vandal, or natural disaster should cause damage to your business’ property.
- Workers’ Compensation Insurance: Most U.S. states require employers to have insurance for employees who become sick or injured while on the clock.
- Commercial Auto Insurance: Covering vehicles you use in order to get your job done, this form of insurance coverage is common for businesses shuttling around pressure washing equipment.
- Business Interruption Insurance: Should your business be unable to run due to a natural disaster, this coverage provides relief for lost income during the time your business is closed.
- Professional Liability Insurance: Also called “Errors and Omissions Insurance,” this type of insurance covers inadequate work, negligence, mistakes, and misrepresentation claims against your business.
- Cyber Liability Insurance: You never know when a hacker will breach your data. Should a customer’s sensitive information be breached, you’ll be glad to have paid for cyber liability insurance.
- Employee Dishonesty Insurance: When working at a customer’s property, it’s important to be able to provide pressure washing services without worrying about employee theft or vandalism. In the event that you have a dishonest employee, this form of coverage will protect you should a customer file a complaint against your business.
Why You Should Hire a Pressure Washing Business With Insurance Coverage
As you can see, there is any number of reasons why insurance is a necessity for a pressure washing business of any size—this is why so many pressure washing businesses opt for a composite plan spanning many different kinds of coverage.
If you’re looking to have someone come and wash your house, be sure to ask them first if they have pressure washing insurance coverage; this not only protects the business, but it protects the customer as well and is generally a good indicator of receiving a professional experience. A pressure washing business with insurance may mean the difference between a negative or positive experience based on property damage, employee conduct, honest mistakes, or bodily injury, protecting the customer and business alike.
Cullowee House Washing
Who knew there were so many things that could go wrong with pressure washing? Well, it turns out most professional pressure washers do! While it can be easy for those of us who don’t work in the field to think of the process as simple cleaning, in truth, pressure washing can be a dangerous, potentially damaging activity with plenty of potential for financial liabilities. This is why responsible business owners like WNC Wash Pro’s pay their monthly dues to protect their business and their customers…and it’s part of the reason why you’d want to hire a professional to pressure wash your property in the first place!
Are you looking for professional Cullowee house washing services for soft washing, pressure washing, or power washing your home? Contact WNC Wash Pro’s today for a consultation, or click here to view a gallery of our previous work!