Few things are more satisfying than watching stubborn dirt and stains disappear from homes, driveways and decks. Yet, if an accident occurs, your business may be financially responsible. That’s why you must factor Pressure Washing Insurance into your business budget.
You’re no stranger to the potential risk associated with cleaning customers’ properties. After all, you’ve worked tirelessly to get to where you are with your business. With all that risk at stake, shouldn’t you have insurance that protects the business you worked so hard to build?
A pressure washer’s forceful spray could easily damage the siding on a home, or even cause an injury. That’s one reason pressure washing insurance is so important. It helps pay for legal expenses, medical bills, and repair costs that could otherwise sink your business.
A small business with a few cleaners will pay less for insurance than a large company.
Factors that affect premiums include:
The insurance cost you receive is a sum of your total yearly premiums. Insurers look at several factors before they determine the cost of your premiums. You might have similar insurance needs with other businesses but still, end up paying different premiums. General liability insurance for pressure washers starts at around $28 a month.
Pressure washing businesses are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
It’s easy to get pressure washing insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with BizInsurancePro in three easy steps:
BizInsurancePro’s licensed agents work with top-rated U.S. insurers to find the right coverage for your pressure washing or power washing business, whether you work independently or hire employees.
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Knowing how to properly use your pressure washer is the first safety precaution to take before using it. There are various differences among pressure washers; including features, water temperature, and amount of pressure.
Read your owner’s manual entirely, from front to back. They’re not typically that long of a read, but they feature information that may be vital for safely using your power washer.
In addition to safety tips, your user manual will include instructions on how to use model-specific safety features. There will also be instructions regarding how to properly set up and disassemble your pressure washer that may be very important to safety as well.
In order to avoid hazards, you have to first be aware of them. Consider all possible hazards before using your pressure washer. This includes obstacles you could trip on, slippery surfaces, uneven surfaces, distractions, pets, children, and even traffic passing by.
If you’re going to need to stand in the street for any reason while pressure washing, be sure you have a spotter watching for approaching traffic so you don’t get hit. Watching for traffic on your own is a distraction from safely operating your pressure washer.
If there are others outside with you, have a responsible spotter watch for anyone approaching during use so you don’t accidentally direct your pressure washer at them. Once you’ve finished making a list of all possible hazards, plan for how to avoid them.
There are way too many images and videos online of people using pressure washers in sandals, wearing shorts, not wearing gloves, and especially not wearing safety goggles. The vast majority of pressure washer injuries could be prevented by simply wearing the proper safety gear.
As you should already know, pressure washers are tools – not toys. Never aim a pressure washer at another person or pet. The high-pressure water output by a pressure washer can cause very severe injury, and should never be treated like a squirt gun.
Always aim carefully for what you’re cleaning before pulling the trigger. Do not aim a high pressure turbo nozzle at a window or other breakable materials. For glass, automobiles, and other more fragile materials, use a low-pressure nozzle to avoid causing damage.
Never let children operate a pressure washer, and always make sure to communicate to others not to cross your path while you’re cleaning with it.
When you’re not spraying, engage the safety latch on your gun to prevent unintentional engagement of the pressure washer. Many pressure washer guns, though not all, feature a safety latch on the handle. This is a small lever that can be flipped horizontally behind the trigger to prevent it from being activated unintentionally.
Never place your gun down without engaging this safety latch. And never leave your pressure washer unattended while running. If you have to walk away for more than a minute, turn the pressure washer off. It’s not good for your pump to leave it running while not in use, and shutting it off can prevent unwanted accidents.
Gas engines emit carbon monoxide, which is a colorless, odorless gas that’s deadly when concentrated. Do not use gas-powered pressure washers in enclosed areas, ever. Even with windows open, the carbon monoxide will still build up to extremely dangerous levels.
If you’re pressure washing the inside of a garage, we recommend using an electric pressure washer. It’s extremely important to your health and the health of others in your home that you only use gas pressure washers outdoors.
When you’re finished using your pressure washer, turn it off and squeeze the trigger. Even after your pressure washer has been shut off, the pressure still remains inside, and can cause serious harm if released improperly.
Do not detach the hose, the spray gun, or the nozzle until you’ve squeezed the trigger and released all of the remaining pressure. Removing the gun from the high-pressure hose while there’s still pressure means that highly pressurized water will be released directly into your hand.
Regulating Agency and References
Insurance Information Institute (III)
This organization’s mission is to improve public understanding of insurance – what it is and how it works.
Visit us at https://www.iii.org.
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