Pressure Washing Insurance in New Hampshire

Also providing pressure washing insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

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What is pressure washing insurance?

While pressure washing can be profitable work, it’s work that comes with some risk. Whether a car accident, worksite accident or something else, plenty of things can go wrong and be potentially costly. Pressure washing insurance may help individuals and businesses offering these services in New Hampshire from a variety of risks. 

Pressure washing insurance offers tailor-made coverage for those who offer pressure washing services. Policies may protect against a range of property and liability risks.

Who in New Hampshire needs pressure washer insurance?

Pressure washer insurance is something that most individuals and businesses offering pressure washing or power washing in New Hampshire should consider. This includes full-time and part-time washers.

Sometimes individuals are tempted to forgo insurance, especially if they only do a limited number of pressure washing jobs. It’s risky to forgo insurance, however, as it takes just one thing to happen for a business to be financially devastated. 

What coverages do pressure washing policies come with?

Pressure washing policies can come with a few different coverages, each of which can provide important protections. Some coverages that policies might include are:

• General Liability Coverage: May cover common accidents (not auto) that lead to a third party’s injury or property damage.
• Commercial Umbrella Coverage: May cover large lawsuits with an additional layer of liability protection.
• Commercial Auto Coverage: May cover a work truck or van that’s taken to/from customer locations.
• Business Personal Property Coverage: May cover equipment and supplies used for pressure washing.
• Inland Marine Coverage: May cover equipment and supplies when they’re being taken to/from customer locations.
• Business Income Coverage: May cover extended income losses that occur after certain disasters.

There are still more coverages, such as commercial building coverage and cyber liability coverage, which might be helpful in select situations. An experienced insurance agent can help decide what coverages make sense in a specific situation.

Do professional pressure washers need commercial auto coverage?

Many people offering pressure washing services don’t necessarily need a full commercial auto insurance policy, but there are times when such a policy could be required.

If a personal vehicle is used to drive to/from customer locations, then sufficient auto coverage might be obtained through a personal auto insurance policy. Even though this is generally considered work-related driving, many personal policies offer coverage for limited work driving. The coverage might be a standard feature, or available as an add-on endorsement. 

If a personal vehicle is used and coverage isn’t available through a personal policy, then commercial auto coverage may be necessary. Commercial auto is almost certainly necessary if the vehicle is owned by the business, and is thus commercially registered.

Do individuals need insurance when pressure washing a neighbor’s house?

Whether pressure washer insurance is needed when washing a neighbor’s house largely depends on whether the neighbor is paying.

When the neighbor doesn’t pay, professional insurance probably isn’t needed. This would likely be considered a favor, and most homeowners insurance (or renters insurance) has liability coverage that extends to favors such as this. If something happened, then a homeowners policy would likely cover the incident.

When the neighbor pays, professional insurance is much more likely needed. Payment usually constitutes a commercial activity, even if the person paying is a known neighbor, friend or family member. Pressure washer insurance is likely needed in such situations, as the liability coverage in most homeowners policies excludes commercial work.

An insurance agent who specializes in pressure washer insurance can help determine whether a particular situation requires coverage. A knowledgeable agent will be able to review the situation and any homeowners policy that’s in place, after which a determination as to whether a power washer policy is needed can be made.

How can New Hampshire pressure washers get pressure washing insurance?

For help finding pressure washing insurance in New Hampshire, contact the independent insurance agents at Insurance24. Our agents will work with you to find the best pressure washing policy for your situation, making sure you’re well protected at an affordable price.