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Pressure Washers Insurance

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Pressure washers insurance

Pressure washing insurance NZ

Pressure washers insurance refers to a specific type of insurance policy that covers businesses using pressure washers in their operations. The insurance provides coverage for a range of risks associated with the operation of pressure washers, including potential damage to property, injuries to workers or third parties, and more.

Why is pressure washers insurance important? 

Owning or operating a pressure washer brings with it certain risks. While pressure washers are immensely beneficial for cleaning purposes, things can sometimes go wrong. A machine malfunction or a momentary lapse in safety measures can lead to costly damages or injuries. Pressure washers insurance acts as a safety net, ensuring that when unforeseen incidents occur, your business doesn’t face severe financial repercussions. 

In New Zealand, the average cost of pressure washers insurance typically ranges between $100 – $150 per month. 

It’s crucial to have pressure washers coverage if your business:

  • Operates multiple pressure washers
  • Provides cleaning services to clients
  • Rents or leases pressure washing equipment
  • Employs staff to operate the equipment

What covers are typically included in pressure washers insurance? 

Public Liability

This policy covers common pressure washers business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps pressure washing businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Tool Insurance

Safeguards your pressure washing equipment against unexpected events, like burglary or accidental damage, ensuring you won’t have to bear the financial burden of replacing them.

Best For
  • Burglary protection 
  • Accidental damage protection
  • Anywhere in New Zealand cover

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.

 

Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

Employers Liability

This insurance helps protect pressure washing businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

How much does pressure washing insurance cost?

Pressure washers insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Pressure washing insurance in NZ typically costs between $100 to $150 per month

Who needs pressure washers insurance?

Any business or individual that uses pressure washers, whether for small-scale cleaning tasks or large-scale industrial cleaning, should consider getting pressure washers insurance. This includes:

  • Residential Pressure Services
  • Commercial Pressure Services
  • Industrial Washing Washing Firms
  • Vehicle Pressure Washing Services 
  • Specialized Cleaning Services
  • And any other business that uses pressure washers regularly.

While New Zealand doesn’t have a strict legal mandate requiring all pressure washing businesses to have pressure washers insurance, some clients or projects may require you to possess it before securing a contract. Additionally, having the insurance is a prudent business practice to protect yourself from potential financial pitfalls.

Typically, it does not cover breakdowns that don’t result from sudden and accidental damage. 

How do I get proof of pressure washers insurance

You can usually get proof of insurance same day when you purchase insurance through Gerrards.

Acquiring a pressure washers insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our pressure washing insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does pressure washing insurance not cover?

Regular Wear and Tear

Over time, machines degrade. This regular wear isn’t covered.

Illegal Activities

Any damages or liabilities arising from illegal activities or operations are excluded.

Contractual Liabilities

Obligations or liabilities arising out of a contract may not be covered unless specified.

Other common questions about pressure washers insurance

Most pressure washers insurance policies provide coverage for incidents occurring both on and off the primary business premises. However, always check the specifics of your policy to confirm.

It’s possible. Depending on the nature and frequency of claims, insurance providers might adjust premiums to reflect the perceived risk. However, factors like your overall claim history, safety practices, and the provider’s policies will also play a role.

Typically, pressure washers insurance covers liabilities arising from your employees’ actions while operating the equipment.

It’s good practice to review your insurance policy annually or whenever there are significant changes to your business operations, equipment, or scale of services.

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