i want to start a small pressure washing business i don't no what being license and insured means?

Question

i see other small businesses that say they are licencs and insuared i will be pressure washing houses please explane the two thank you

Answer 1

Regardless of the business you start. You need to go to your local county or city government to register your business. This allows your future customers to know that you are legitimate business. The fee is fairly minor, but some customers will require to see your business license (it is an annual relicensing).

As for insurance, you need to get commercial liability insurance, workers compensation insurance, and maybe other forms of insurance depending on the kind of risks that might occur while you are onsite at someone's home. A prospective customer should (not all do) ask to see your insurance certificate, to make sure that if something unfortunate were to happen to you while on their property (like you fall from a ladder, a machine hurts someone, etc.), they wouldn't be liable for any medical or legal expenses that you or your employees might want coverage for. Insurance protects you (as the business owner) and your customers from unfortunate events.

Bottom line - being licensed is required by law (but is pretty easy to do). Being insured is the wise thing to do, and most customers will ask you to be insured.

I don't really know where you would look for the kind you need, but one place to look that does this kind of work on a national scale is Acordia (they are an insurance broker for businesses - they help find an insurance company who will insure you and the kind of business you plan on operating).

Hope this helps.

Answer 2

Insurance is professional insurance for something that may happen while you work, say pressure wash something and it falls apart from the procedure and unsuspecting rot from the wood it is attached to...Someone has to fix it. This professional insurance is from the actions you do and something gets destroyed. Liability insurance is on the business itself...then there is vehicle insurance...I would talk to an insurance person and find out if liability covers you doing the procedure.
License: Usually you pass a state test. I would get in touch with small business administration and plop the small amount down to really be safe.

Answer 3

Some cities and all counties in the US require businesses to have a license. This is to identify the owner of a D.B.A. (doing business as) and to collect sales taxes.

Insurance is required when dealing with the public, as people are very likely to sue you for any reason, real or imagined. You will need liability insurance to cover slipping or falling, property damage claims made as a result of the use of your product or loss claims by those who say something is missing.

None of this costs very much. You can get two million dollars of liability insurance for about $60 a month at most insurance companies.

Answer 4

interesting sufficient right this is what the actual definition of the be conscious is: a million: appearing in accord with divine or ethical regulation : unfastened from guilt or sin 2 a: morally good or justifiable b: springing up from an outraged experience of justice or morality in this definition from the english language it skill "unfastened from guilt or sin". in this definition it of course states that no-one can legally call themselves righteous. What makes this so interesting is that for the duration of definition 2 you additionally could make righteous judgements and can be justifiably righteous with a feeling of outraged experience of justice or morality. so which you will possibly be legally righteous while you're against something you sense is incorrect or immoral. so which you would be able to sense righteous approximately speaking out for or against a company. yet BEING righteous, the only one that incredibly can say you're is God himself and not any individual in any respect. This basically we are able to understand interior the top. If every person says they're righteous interior the 1st meaning of the be conscious they're incorrect. in the event that they say a company is righteous, this is in basic terms interior the eyes of the follower and the thank you to describe yet on no account a secure theory that God thinks they're righteous and with out sin. See how interesting it gets? issues that make you circulate HMMMM

Answer 5

Also make sure you know about EPA regulations regarding waste recovery.

Go to site below, it is run, free, by a bunch of great pressure washer people