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.
Short-Term General Liability Insurance
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.Â
General Liability Insurance for Pressure Washing Business
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.Â
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
| 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 |
Professional Liability Insurance
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.Â
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
- Negligence
| 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 |
Commercial Property Insurance
A pressure washing business can hardly work without its own office and equipment.Â
Commercial property insurance is essential in this business. It insured your business’s office, equipment, and other tangible assets.Â
The main function of this pressure washing business insurance is to compensate losses if the office gets damaged or destroyed because of:
- Fire
- Theft
- Vandalism
- Civil commotion
- Riot
- Sinkhole collapse
- Lightning
Also it compensates for other valuable equipment in your office getting damaged or lost because of the risk above.Â
| 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 |
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.Â
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
Get all the best quotes from leading providers in a click of a button!
Employer’s Liability Insurance
Employer’s liability insurance grants protection when an employee, who sustained a work-related injury or disease, files a claim for negligence against you.Â
This provides $100,000-$5 million you can use to pay settlements, defense costs, and court judgements.Â
Commercial Auto Insurance
It’s good to purchase commercial auto insurance if you use vehicles for commercial purposes such as transporting employees, equipment, and supplies.Â
If the risk happen Commercial auto insurance will;
- Cover parts repair or replacement expenses if your commercial vehicle got damaged because of a collision, fire, theft, vandalism, etc.Â
- 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
Inland Marine Insurance
Commercial auto and commercial property insurance doesn’t cover equipment that’s currently in transit.Â
Purchase inland marine insurance to cover pressure washers and other equipment that you constantly transport for work.Â
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
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.Â
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:Â
- Policy add-ons
- Area of operationÂ
- 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.
Help others make better decisions
Best Pressure Washing Insurance Companies
NEXTÂ
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
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 anyÂ
CoverWalletÂ
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.Â
CoverWallet has immediate coverage without talking to an insurance agent. After getting covered, CoverWallet will give you access to the MyCoverWallet app.
Average cost: $45 per month
Our rating: 10/10
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
Tivly
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.Â
Average cost: $48 per monthÂ
Our rating: 10/10
Pros
- Call and compare quotes over the phone
- Responsive customer service
- A partner of many reputable insurance companiesÂ
Cons
- You need to call to get a quoteÂ
Thimble
Founded in 2015, Thimble is a New York-based online insurance broker. Thimble provides a diverse range of pressure washing 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.Â
Average cost: $50 per month
Our rating: 8/10
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
HiscoxÂ
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.Â
Average cost: $52 per month
Our rating: 8/10
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 businessesÂ
