Pressure Washing Insurance Cost

On average, pressure washing businesses in the US spend about $60 per month or $720 per year for a $1 million general liability insurance. This pressure washing insurance cost estimate assumes that you have 5 employees and makes $500,000-$750,000 per year.

The pressure washing business insurance cost depends on your choice of provider. Take a look at the pricing of the best pressure washing insurance companies in the table below:

	Cost per Month	Cost per Year	Best for
NEXT	$40	$480	Best overall; Fastest general liability insurance for pressure washing businesses
CoverWallet	$45	$540	Pressure washing insurance quotes comparison online
Tivly	$48	$576	Comparing insurance quotes over the phone
Hiscox	$50	$600	Pressure washing businesses looking for short-term general liability insurance
Thimble	$52	$624	General liability insurance with worldwide coverage for pressure washing businesses

Other significant variables that affect the power washing insurance cost include:

Policy add-ons
Area of operation
Number of employees
Your assets and equipment

Most pressure washing businesses opt for general liability insurance with a $1 million or $2 million liability coverage limit. You can snag cheap pressure washing insurance by shopping around and requesting quotes from multiple insurers.

General Liability Insurance

	CoverWallet	NEXT (Best)	Thimble	Hiscox
Per occurrence limit	$1,000,000	$1,000,000	$1,000,000/$2,000,000	$300,000/$2,000,000
Aggregate limit	$2,000,000	$1,000,000/$2,000,000	$1,000,000/$2,000,000	$300,000/$2,000,000
Products and completed operations aggregate limit	$2 ,000,000	$1,000,000	$1,000,000	$1,000,000
Personal and advertising injury coverage aggregate limit	$1,000,000	$1,000,000	$1,000,000	$1,000,000
Tenant legal liability coverage aggregate limit	$100,000	$1,000,000	$100,000	$100,000
Non-owned/hired auto liability coverage limit	Excluded	Excluded	Excluded	Excluded
Equipment breakdown floater	Excluded	$2,500-$5,000	$2,500-$5,000	Excluded
Employment benefits liability floater	Included	Excluded	Excluded	Excluded
Name additional insureds?	Yes	Yes	Yes	Yes
Waiver of subrogation included?	Yes	No	Yes	Yes
Deductible	$0	$0	$0	$500-$2,500

General liability insurance, also called pressure washing liability insurance, grants protection when a third party holds your business liable for his or her bodily injury or property damage. Use the table above to compare the limits and features of the recommended companies for pressure washing general liability insurance.

Slips and falls are one of the most common situations where general liability insurance for pressure washing business becomes useful.

Nonetheless, there are other accidents that pressure washing general liability insurance can take care of such as:

Broken window, flooring, or door because the pressure washer has too much PSI
A client or a member of the public sustaining cuts after getting sprayed accidentally by a pressure washer
Scratches on a client’s car or motorcycle because the pressure washer is too strong

Short-Term General Liability Insurance

Your pressure washing business can get general liability insurance as a short-term coverage. A short-term general liability insurance grants protection for hours, days, weeks, or months. Consider getting this if you need emergency coverage to satisfy contract requirements or to get covered before working in an area not covered by your insurance company.

Professional Liability Insurance

	CoverWallet (Best)	NEXT	Thimble	Hiscox
Per occurrence limit	$1,000,000	$10,000/$25,000	$1,000,000/$2,000,000	$250,000
Aggregate limit	$2,000,000	$20,000/$50,000	$1,000,000/$2,000,000	$250,000
Name additional insureds?	Yes	Yes	Yes	Yes
Waiver of subrogation included?	Yes	No	No	Yes
Deductible	$0	$0	$500	$500

Clients might also file a claim because of oversights or mistakes. This exposure isn’t covered by general liability insurance.

And so, it’s important to add a professional liability policy in your pressure washing company insurance program.Refer to the table above and compare the limits and features of professional liability insurance for power washing business.

Professional liability insurance kicks in if a client files a claim and accuses your pressure washing business of:

Inflating the cost of its services
Receiving payment without providing a service
Missing deadlines
Breach of contract
Breach of confidentiality
Negligence

You can choose whether to get professional liability insurance as an occurrence or claims-made policy.

Occurrence professional liability insurance is the best option because it can grant coverage to covered perils even if it has expired.

We must also mention that professional liability insurance can be purchased on its own or as an optional coverage to general liability insurance.

Commercial Property Insurance

	CoverWallet	NEXT (Best)	Thimble	Hiscox
Building coverage limit (minimum)	$50,000	$110,000	$100,000	$15,000
Contents coverage limit (minimum)	$50,000	$15,000	$100,000	$15,000
Outdoor signs	Excluded	$2,500	Excluded	Excluded
Accounts receivable	Excluded	Excluded	$5,000/$10,000	Included
Money and securities	Excluded	$2,500	$1,000	Included
Lock and keys	Excluded	$2,500	Excluded	Excluded
Business interruption floater	Excluded	Included	Included	Included
Equipment breakdown floater	Excluded	Included	Excluded	Excluded
Inland marine insurance floater	Excluded	Excluded	$10,000	Excluded
Employee dishonesty floater	Excluded	$5,000	$2,500	Included

A pressure washing business like yours can’t operate properly without its own office and equipment.

We suggest getting commercial property insurance if you want to insure your business’s office, equipment, and other tangible assets. Use the table above to compare the limits and features of commercial property insurance from the recommended companies that sell power washing insurance.

The main function of this pressure washing business insurance is to reimburse losses if the office gets damaged or destroyed because of:

Fire
Theft
Vandalism
Civil commotion
Riot
Sinkhole collapse
Lightning
Volcanic action
Impact
Aircraft
Vehicle
Winds
Snow
Hail

The second function of commercial property insurance is to reimburse losses if computers, pressure washers, and other valuable equipment in your office get damaged or lost because of the perils above.

Earthquakes, floods, mudslides, landslides, and war are exposures that commercial property insurance can’t protect your pressure washing business against.

Inland marine and employee dishonesty floaters might be included in the commercial property policy of your pressure cleaning insurance program.

Workers Compensation Insurance

It’s smart to include workers' compensation insurance in your exterior cleaning insurance program if your business employs one or more cleaning technicians, clerks, and other types of employees.

Workers' compensation insurance kicks in when an employee sustains a work-related injury or disease. It will pay for these costs on your behalf:

EMT service, emergency room fees, and other costs of medical treatment
Hospital bills
Medication
Rehabilitation and retraining
Compensation for lost income
Funeral expenses and allowance to dependents in case of death

Though expensive, your business can’t do anything but purchase this insurance. Failure to get workers compensation insurance will result in hefty fines, penalties, and in the worst case scenario; imprisonment.

Employer’s Liability Insurance

Carriers that specialize in small business insurance for power washing include an employer’s liability coverage in their worker's compensation policies.

Employer’s liability insurance grants protection when an employee, who sustained a work-related injury or disease, files a claim for negligence against you.

This provides $100,000-$5 million you can use to pay settlements, defense costs, and court judgements.

Employment Practices Liability Insurance

Employment practices liability insurance covers the exposures that employer’s liability insurance can’t. After all, negligence isn’t the only reason for employees to file a claim against your pressure washing business.

You can use employment practices liability insurance to cover settlements and defense costs when an employee files a claim and holds your pressure washing business liable for:

Negligent hiring
Failure to promote
Sexual harassment
Discrimination
Wrongful termination
Retaliation
Exploitation
Other violations of employee rights

Power washing insurance programs offer employment practices liability insurance as a stand-alone policy.

Commercial Auto Insurance

Your pressure washing business certainly owns one or more cargo vans, box trucks, or other vehicles.

It’s good to purchase commercial auto insurance if you use vehicles for commercial purposes such as transporting employees, equipment, and supplies.

Commercial auto insurance isn’t hard to understand. Just remember that this inclusion in pressure washing and window cleaning insurance programs will do these things when a covered peril happens:

Pay for the medical treatment or reimburse the property damage of third parties who got involved in an accident caused by your pressure washing business’s vehicle
Cover parts repair or replacement expenses if your commercial vehicle got damaged because of a collision, fire, theft, vandalism, etc.
Reimburse rental expenses if you need to hire a commercial vehicle
Pay for gas delivery, tire delivery, battery delivery, and other emergency roadside assistance services
Cover the medical treatment of the driver and passengers if your commercial vehicle got involved in an accident caused by an underinsured/uninsured driver

Inland Marine Insurance

Commercial auto and commercial property insurance doesn’t cover equipment that’s currently in transit.

Purchase inland marine insurance to cover pressure washers and other equipment that you constantly transport for work.

Inland marine insurance reimburses the value of equipment and other business property that get damaged or lost during the trip because of:

Fire
Theft
Vandalism
Mysterious disappearance
Vehicular accidents

Best Pressure Washing Insurance Companies

These are the best pressure washing insurance companies. Read to know their pros, cons, and monthly pricing for a $1 million general liability coverage.

NEXT Pressure Washing Insurance

Pros

Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for pressure washing businesses
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount

Cons

Couldn’t find any

NEXT is an insurance company that specializes in the needs of small businesses such as independent professionals, sole proprietorships, and growing LLCs. This company is available in all 50 states and takes pride in its very digitized insurance solutions.

The tailored pressure washing insurance from NEXT includes general liability insurance, contractors’ professional liability insurance, workers compensation insurance, commercial auto insurance, and commercial property insurance. When purchasing insurance from this company, it’s good to include 2 or more policies to get a 10% discount on premiums.

Apart from discounts, other perks of working with NEXT are instant live certificates of insurance, fast customer support, and online claims filing and tracking.

Best for: Best overall; Fastest general liability insurance for pressure washing businesses

Average cost: $40 per month

Our rating: 8/10

CoverWallet Pressure Washing Insurance

Pros

Pay premiums online
Cancel a policy anytime
Get covered fast online
Free certificate of insurance
Add additional insureds for free
Compare quotes to find the best insurance for pressure washing business

Cons

Not an insurance company but an insurance broker

CoverWallet’s tailored pressure washing company insurance consists of the different insurance products of its partners. Available insurance products for you are general liability, professional liability, commercial auto, and commercial property. You can also decide to get a business owner’s policy that bundles commercial property insurance, general liability insurance, and workers' compensation insurance.

This company can also help if you want to check the pricing of insurance companies offering pressure washing business insurance. CoverWallet has an online quotes comparison platform you can use to get the pressure washing insurance quotes of carriers to compare features and pricing.

Work with CoverWallet to enjoy immediate coverage. With this company, you can get insured fast without talking to an insurance agent. After getting covered, CoverWallet will give you access to the MyCoverWallet app. Through this app, you can pay premiums, manage insurance, and get proof of insurance online

Best for: Pressure washing insurance quotes comparison online

Average cost: $45 per month

Our rating: 10/10

Tivly Pressure Washing Insurance

Pros

Call and compare quotes over the phone
Responsive customer service
A partner of many reputable insurance companies

Cons

You need to call to get a quote

Tivly (formerly CommercialInsurance.NET) doesn’t have a pressure washing insurance program. Nonetheless, you can get covered as this company works with a wide array of businesses in different industries. Call Tivly now to talk with a representative and compare quotes over the phone.

Best for: Comparing insurance quotes over the phone

Average cost: $48 per month

Our rating: 10/10

Thimble Pressure Washing Insurance

Pros

Quick and efficient online service
Hourly, daily, or monthly coverage
Transparent pricing with no hidden fees

Cons

You can’t reach customer service by calling

Founded in 2015, Thimble is a New York-based online insurance broker. Thimble partners with various insurance companies to underwrite the insurance plans. If you need temporary insurance coverage to secure a contract, you're better off with Thimble.

Thimble provides a diverse range of pressure washing insurance policies, including general liability, BOP, commercial property, professional liability, business interruption, and cyber liability coverage.

While you may not always need this much protection, Thimble ensures you have the coverage you need for your business. The only downside is that all transactions are online-based.

You can purchase short-term general liability insurance from Thimble. This has a $1 million-$2 million per occurrence limit.

Best for: Pressure washing businesses looking for short-term general liability insurance

Average cost: $50 per month

Our rating: 8/10

Hiscox Pressure Washing Insurance

Pros

Worldwide coverage
Fast to process claims
Quick to issue a quote

Cons

Cyber liability insurance is the only policy offered online for pressure washing businesses

Hiscox pressure washing insurance program only offers cyber liability coverage with a $300,000 per occurrence limit online. You need to talk with a representative to get workers compensation, commercial auto, general liability, and professional liability insurance.

Best for: General liability insurance with worldwide coverage for pressure washing businesses

Average cost: $52 per month

Our rating: 8/10

Get the Best Insurance For Your Pressure Washing Business

Comparing quotes can help you get the best insurance for power washing business. Doing so offers valuable insurance insights and helps you find the cheapest rates. Use our online quotes generator to get quotes from different pressure washing insurance companies. Click the "Get Quotes" button to start.