"Are you insured?" is a simple question, but the answer matters more in pressure washing than most home service jobs, because the equipment involved is genuinely capable of causing damage fast — and the financial exposure without coverage falls on the homeowner, not just the company.
What Can Actually Go Wrong
High-pressure water is powerful enough to crack window seals, strip exterior paint, gouge wood decking, and force water into gaps in siding or window frames. Ladders and roof access for gutter or roof work carry their own injury risk. None of this is rare or exotic — it's the everyday risk profile of the job, which is exactly why insurance exists for this trade specifically.
What General Liability Insurance Covers
A general liability policy typically covers property damage caused by the company's work — a cracked window, damaged siding, ruined landscaping — and injury that occurs on your property during the job. Without it, you'd need to pursue the individual or company directly for damages, with no guarantee they have the assets to actually cover the cost.
Why "I've Never Had a Problem" Isn't the Same as Insured
Plenty of uninsured operators go years without an incident — until they don't. The point of insurance isn't that damage is likely on any given job; it's that when something does go wrong, you're not the one absorbing the cost of a mistake that wasn't yours. This is especially relevant on jobs involving your roof, windows, or delicate landscaping, where a small equipment slip can get expensive fast.
Ready to book, or just want a straight answer on pricing for your property?
How to Actually Verify It
Don't just take "yes, we're insured" at face value — ask for a certificate of insurance (COI), which any legitimately insured company can provide without hesitation. Hesitation or vague answers here is one of the clearest red flags covered in how to choose a pressure washing company.
Insurance and DIY Risk
This is also part of the real cost comparison between DIY and hiring a pro — if you damage your own property with a rented pressure washer, there's no insurance policy covering that mistake at all. We break down the fuller cost picture in DIY vs. hiring a professional.
Our Coverage
We carry full general liability insurance on every job we do throughout Indianapolis and suburbs like Avon, and we're glad to provide documentation before you book — no hesitation, no vague answers.