Pressure washing insurance is a specialized protection program for commercial and residential pressure washing companies. This consists of general liability, commercial property, professional liability, and other business insurance policies. Read this guide to know the cost of premiums, understand how each inclusion works, and compare quotes online.
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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.
| 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
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.
| 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.
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| 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.
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.
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 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.
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
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
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These are the best pressure washing insurance companies. Read to know their pros, cons, and monthly pricing for a $1 million general liability coverage.
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
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
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
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
Call and compare quotes over the phone
Responsive customer service
A partner of many reputable insurance companies
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
Quick and efficient online service
Hourly, daily, or monthly coverage
Transparent pricing with no hidden fees
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
Worldwide coverage
Fast to process claims
Quick to issue a quote
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
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.
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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