Do I need a license to get pressure washing business insurance?
Pressure washing insurance is vital for businesses as it can provide protection against risks such as liability claims and property damage.
Updated May 29, 2023.
Pressure washing insurance is designed to protect businesses that offer pressure washing services. It can provide coverage for losses or damages that may occur during pressure washing operations and liability protection in case someone is injured or property is damaged due to these services.
But each state has its own set of licensing requirements for businesses. If you're planning to start a pressure washing business, you may also need an occupational license to operate the pressure washer. Specific steps you need to take to obtain licenses or permits will vary depending on the state you plan to operate in.
Failing to comply with the licensing requirements in a particular state can result in fines or other penalties, so it's best to apply for the necessary licenses before purchasing pressure washing insurance.
What types of insurance might your pressure washing business need?
Pressure washing businesses typically purchase general liability insurance that can protect against third-party claims of bodily injury or property damage that may occur during pressure washing operations.
These businesses may also need a combination of other insurance policies to extend the coverage of risks. These policies can include:
- Commercial auto insurance: This can provide coverage for vehicles used for pressure washing services.
- Workers' compensation insurance: This can provide coverage to employees who are injured on the job.
- Errors and omissions (E&O) insurance: This can help with financial protection should you or your business be accused of professional negligence or not delivering a service as agreed upon.
- Commercial property insurance: This can provide coverage for damage to the pressure washing equipment, tools and other property used in the business.
NEXT can help pressure washing businesses get insured
Finding the right coverage for your pressure washing business is easier than you might think. With NEXT, you can get an online quote, choose a tailored coverage plan and share a certificate of insurance in a matter of minutes.
We even have a team of licensed U.S.-based advisors who can answer any questions you might have and talk through your specific requirements with you.
» Explore NEXT's cleaning business insurance options
