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  1. #1
    Member Freshman Undergraduate N2PPN's Avatar
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    Apr 2009
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    Lawnguyland, New Yawk
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    Insurance Questions

    Hi everybody,
    I am curious about insurance. I know that's a "loaded" question, but I am finding it difficult to "grasp" the finer aspects of insuring a power washing business.

    First off I know that a BOP (Business Owners Policy) for Completed Operations and General Liability Insurance is a must (especially here in NY where the word "sue" is learned before the words "Mommy" or "Daddy") and a starting amount is about 2 Million aggregate with 1 Million per occurrence (not to mention personal injury and property damage).

    The General Liability and associated insurance doesn't seem to be too hard to understand, what is hard to understand is the insurance industry's total lack of understanding of just what power washing really is. They either try to lump it into janitorial services or some other "fuzzy" category like "Waterproofing- By Pressure Application".

    Is there a SPECIFIC classification code for Power Washing?? Or am I just dealing with a bunch of guys who are more interested in getting a commission check rather than seeing I get the right kind of insurance for a fair price??

    OK, so who do YOU guys use for your BOP/General Liability Insurance?? What coverages do YOU have?? and if that's not enough to start a flurry of replies to this post, how do you insure a trailer mounted system?? The same guys at the insurance companies keep trying to insure it under an auto policy.... It is only insured under an auto policy WHILE IT IS ATTACHED TO THE VEHICLE and or IN MOTION.... when it is stationary and not attached to the vehicle (like when not in use) I need to insure it against vandalism and or theft... I understand this to be called "crime insurance"..

    HELP!!

    Any insurance guru's out there who might be a little familiar with this situation and possibly the NY area??

    I'm getting a headache... All I wanna do is clean some stuff, not get all bogged down in idiocy...


    Rich
    www.rmepowerwashing.com

  2. #2
    Member Junior Undergraduate Lester's Avatar
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    Mar 2009
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    Marieta, OH
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    121
    Rich, I left you a phone message
    Gable Glow LLC
    Roof Cleaning, Pressure washing
    Marietta, Ohio
    740-373-2700

  3. #3
    Member Professor with Tenure
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    May 2008
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    Indianapolis IN
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    1,596
    I have another company that has been around for a long time. When I tried to add the power washing as a separate DBA they said find another company or we will cancel you.

    I asked; as a general contractor I could rent a power washer and turn anyone loose on it and they said that would be OK? But they said if I marketed as a power washing company with trained workers it wasn't OK because of the damage a PW could do.

    Go figure.

    These guys understand the business:

    Message
    JOSEPH D. WALTERS AGENCY, INC.
    2706 South Park Road
    Bethel Park, PA 15102
    (800) 878-3808
    (412) 831-8222
    (412) 831-7498 FAX

  4. #4
    Member Junior Undergraduate Lester's Avatar
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    I just gave him the same name... Joe is good to us
    Gable Glow LLC
    Roof Cleaning, Pressure washing
    Marietta, Ohio
    740-373-2700

  5. #5
    Exterior Surface Pros 2000 PLUS POSTER Carolina Prowash's Avatar
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    Graham, NC
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    2,388
    We love them too!
    Roger & Celeste Gothorp

    Carolina ProWash LLC

    336-261-3051

  6. #6
    Member Graduate Student PressureWashE's Avatar
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    joe is good to go

  7. #7
    Member Senior Undergraduate PressureX's Avatar
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    Jul 2008
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    Summerville, SC
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    357
    joe is the man!

    Pat Heinl - Pat@PressureX.net
    Pressure-X Power Washing, LLC
    http://www.pressurex.net
    Pressure Washing in Summerville, SC
    Serving Dorchester county, Berkeley county, and Charleston County

  8. #8
    Member Freshman Undergraduate N2PPN's Avatar
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    Hi everybody,

    Wow! Thanks for the info. I have been talking with Joe's agency (seems he is out of town right now) and Che Che has been most helpful. I have a quote for the PW BOP insurance, now we are trying to get a "crime" policy on the equipment/trailer for theft/vandalism etc., but it seems that since my business is located on Long Island, Che Che says I am in a FLOOD ZONE and Joe might not be able to get me an equipment policy.... Sheesh!! Who thought it would be so hard to give someone my money??

    Any ideas on equipment insurance??? I can LOJACK the trailer if it'll get me better rates, but I don't think pontoons would look right on a PW trailer do you??

    Rich
    www.rmepowerwashing.com

  9. #9
    Member Professor with Tenure
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    Seems like they could exclude flood coverage.

  10. #10
    Exterior Restoration Specialist 21000 PLUS POSTER Ron Musgraves's Avatar
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    Quote Originally Posted by N2PPN View Post
    Hi everybody,
    I am curious about insurance. I know that's a "loaded" question, but I am finding it difficult to "grasp" the finer aspects of insuring a power washing business.

    First off I know that a BOP (Business Owners Policy) for Completed Operations and General Liability Insurance is a must (especially here in NY where the word "sue" is learned before the words "Mommy" or "Daddy") and a starting amount is about 2 Million aggregate with 1 Million per occurrence (not to mention personal injury and property damage).

    The General Liability and associated insurance doesn't seem to be too hard to understand, what is hard to understand is the insurance industry's total lack of understanding of just what power washing really is. They either try to lump it into janitorial services or some other "fuzzy" category like "Waterproofing- By Pressure Application".

    Is there a SPECIFIC classification code for Power Washing?? Or am I just dealing with a bunch of guys who are more interested in getting a commission check rather than seeing I get the right kind of insurance for a fair price??

    OK, so who do YOU guys use for your BOP/General Liability Insurance?? What coverages do YOU have?? and if that's not enough to start a flurry of replies to this post, how do you insure a trailer mounted system?? The same guys at the insurance companies keep trying to insure it under an auto policy.... It is only insured under an auto policy WHILE IT IS ATTACHED TO THE VEHICLE and or IN MOTION.... when it is stationary and not attached to the vehicle (like when not in use) I need to insure it against vandalism and or theft... I understand this to be called "crime insurance"..

    HELP!!

    Any insurance guru's out there who might be a little familiar with this situation and possibly the NY area??

    I'm getting a headache... All I wanna do is clean some stuff, not get all bogged down in idiocy...


    Rich
    www.rmepowerwashing.com
    Welcome Rich
    Ron Musgraves

    Free FREE Event July 31st August 1 & 2 Orlando Double tree Sea world www.uamccevents.com



    Phoenix Arizona Sidewalk Cleaning

    1-888-Fleetwash or text me 480-522-5227 Phoenix AZ www.propowerwash.com

    www.nationalcleaningexpo.com

    PWNA Awarded Member, UAMCC Member, National Cleaning Expo Member
    We own and operate a great Cleaning Service in Phoenix Arizona as well as provide fantastic
    Pressure Washing services.







  11. #11
    Parking Garage Expert 6000 PLUS POSTER Scott Stone's Avatar
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    Tell them that you will have a float tank, and let it be an empty water tank...

    I use a local agent, but, he is the largest commercial insurance agent in the state. Make sure that when you are shopping that you only go with a dedicated commercial agent.
    www.gen2genbooks.com
    Scott Stone
    A Mind for Detail Inc.
    Cell 602.509.9741
    Office 480.834.3434
    Www.amindfordetail.com
    scott@amindfordetail.com
    Phoenix, Arizona Parking Garage Cleaning Expert
    Bus Shelter Cleaning, Arizona
    ATSSA certified traffic control technician
    ATSSA certified traffic control supervisor


  12. #12
    Member Professor with Tenure
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    Good advice Scott. Not all agents are created equal.

  13. #13
    Member Honorary Professor Lightning Gene's Avatar
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    Care Custody and Control....Thats why I use Joe Walters...most ins companies EXCLUDE This rider
    Image Hosting by PictureTrail.com

  14. #14
    Moderator 11000 PLUS POSTER Christopher's Avatar
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    Gene, tell us more about the Care, Custody and Control please.

  15. #15
    Hall of Fame Member Senior Undergraduate Larry Hinckley's Avatar
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    Fort Worth, TX
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    Joe Walters is the top in our industry. He has been our agent for nearly 20 years and we have never had any problems with a claim. I have personally recommended him to thousands of contractors.
    Larry Hinckley
    Senior Technical Advisor
    Powerwash.com
    Direct Line 1-800-211-0287
    Fax 817-625-2059

  16. #16
    Exterior Restoration Specialist 21000 PLUS POSTER Ron Musgraves's Avatar
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    Quote Originally Posted by Larry Hinckley View Post
    Joe Walters is the top in our industry. He has been our agent for nearly 20 years and we have never had any problems with a claim. I have personally recommended him to thousands of contractors.

    How You Been Larry ?
    Ron Musgraves

    Free FREE Event July 31st August 1 & 2 Orlando Double tree Sea world www.uamccevents.com



    Phoenix Arizona Sidewalk Cleaning

    1-888-Fleetwash or text me 480-522-5227 Phoenix AZ www.propowerwash.com

    www.nationalcleaningexpo.com

    PWNA Awarded Member, UAMCC Member, National Cleaning Expo Member
    We own and operate a great Cleaning Service in Phoenix Arizona as well as provide fantastic
    Pressure Washing services.







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