Why pressure washing needs specific cover
Every round trade needs public liability cover (see insurance for round trades). In pressure washing, the risks and the small print are particular to the work: washing and finishing a driveway, patio or path.
What to ask your insurer about
- Cover for damage to surfaces, such as lifted paving, damaged pointing or stained stone
- Cover for damaged property nearby: cars, windows and plants
- Equipment cover for the machine and trailer
The risks behind most claims
- Injection injuries from high-pressure jets: never point a jet at a person, including your own foot
- Slips on wet and algae-covered surfaces
- Splashback to windows, cars and neighbours' washing
- Chemicals and fumes from detergents and sealants
Rules to check
- Dirty wash water and detergents must not run into surface-water drains without permission. Check with the Environment Agency and the water company
- COSHH rules apply to the chemicals you use. HSE's guide explains the assessments you should make
Tell the insurer exactly what you do
Cover for one service doesn't always cover the next. If you do more than one thing, such as gutter cleaning or window cleaning or lawn care and garden maintenance, say so, and ask for it in writing. A claim refused because a job wasn't on the policy is the most expensive mistake in the trade.
If you take on help
The moment someone works for you, even part-time, you may need employers' liability cover. HSE explains who counts as an employee. Ask your insurer how they treat subcontractors.
Run your pressure washing in WorkWise
Get paid when it's done: A pay link goes to the customer when you tap Done: card, Apple Pay, Google Pay or Pay by Bank. Cash and cheque are one tap to mark paid.