Pressure Washing Insurance That Covers Property Damage, Chemical Liability & Environmental Risks

Typical Operations

• • House washing (siding, brick, stucco)
• • Driveway and sidewalk cleaning
• • Deck and fence washing/staining prep
• • Roof cleaning (soft wash method)
• • Gutter cleaning and brightening

Insurance Considerations

• • Lower liability limits often acceptable ($1M)
• • Smaller job sizes = lower per-claim exposure
• • Homeowner interaction requires good communication
• • Seasonal work affects workers comp needs
• • Typical premium: $800 - $2,500/year for GL

Common Claims

• • Vinyl siding damage from high pressure
• • Window breakage and seal damage
• • Chemical damage to plants and landscaping
• • Water intrusion into home interiors
• • Paint stripping and coating removal

Implement Safety Training Programs

Documented safety training, equipment maintenance logs, and written safety procedures can reduce premiums 10-25% with some carriers.

Choose Higher Deductibles

Increasing deductibles from $500 to $2,500 can save 15-30% on GL premiums. Only recommended if you have emergency funds to cover deductibles.

Bundle Insurance Policies

Purchasing GL, auto, workers comp, and equipment coverage from the same carrier often yields 10-20% multi-policy discounts.

Use Pay-As-You-Go Workers Comp

Pay based on actual payroll instead of estimates eliminates year-end audits and large surprise bills. Saves money for businesses with variable staffing.

Maintain Clean Claims History

Three years claim-free can qualify for 10-30% preferred pricing. Invest in prevention through proper training, equipment, and procedures.