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Pressure washing insurance is a specialized protection program for commercial and residential pressure washing companies. This consists of general liability, commercial property, and other business insurance policies.
This article will help to know the cost of pressure washing business insurance premiums, understand how each coverage works, and compare quotes online.
It grants coverage 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.
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.
There are other accidents that pressure washing general liability insurance can take care of such as:
| 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 |
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.
Professional liability insurance kicks in if a client files a claim and accuses your pressure washing business of:
| 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 |
A pressure washing business can hardly work without its own office and equipment.
Commercial property insurance is essential in this business. It insured your business’s office, equipment, and other tangible assets.
The main function of this power washing business insurance is to compensate losses if the office gets damaged or destroyed because of:
Also it compensates for other valuable equipment in your office getting damaged or lost because of the risk above.
| 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 |
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:
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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.
It’s good to purchase commercial auto insurance if you use vehicles for commercial purposes such as transporting employees, equipment, and supplies.
If the risk happen Commercial auto insurance will;
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:
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 | ||
| NEXT | $40 | $480 | |
| CoverWallet | $45 | $540 | |
| Tivly® | $48 | $576 | |
| Hiscox | $50 | $600 | |
| Thimble | $52 | $624 |
Other significant variables that affect the power washing insurance cost include:
Most pressure washing businesses opt for general liability insurance with a $1 million or $2 million liability coverage limit.
It is an insurance company that specializes in the needs of small businesses such as independent professionals, sole proprietorships, and growing LLCs. Next is available in all 50 states and takes pride in its very digitized insurance solutions. In addition They have tailored pressure washing insurance specified to clients needs.
Average cost: $40 per month
Our rating: 8/10
Its tailored pressure washing company insurance consists of the different insurance products of its partners. This company can also help if you want to check the pricing of insurance companies offering pressure washing business insurance.
CoverWallet has immediate coverage and allows you to check cheap pressure washing insurance quotes from different providers. After getting covered, CoverWallet will give you access to the MyCoverWallet app.
Average cost: $45 per month
Tivly® 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.
Average cost: $48 per month
Our rating: 10/10
Founded in 2015, Thimble is a New York-based online insurance broker. Thimble provides a diverse range of pressure cleaning insurance policies, including general liability, BOP, commercial property, and cyber liability coverage.
short-term general liability insurance from Thimble has a $1 million-$2 million per occurrence limit.
Average cost: $50 per month
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.
Average cost: $52 per month
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