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Why do pressure washing services need business insurance?
A pressure washer's forceful spray could easily damage the siding on a home, or even cause an injury. That's one reason business insurance is so important. It helps pay for legal expenses, medical bills, and repair costs that could otherwise sink your business.
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Insureon helps pressure washing businesses compare quotes from top U.S. insurance carriers online. Get several quotes with one application.
We'll help you find policies that match the risks of commercial pressure washing and power washing, in minutes.
What types of insurance do pressure washing businesses need?
These insurance policies cover the most common risks of pressure washing.
General liability insurance
A commercial general liability policy provides financial protection against common third-party risks, such as a customer tripping over a hose and ending up in the ER.
BEST FOR
- Accidental property damage
- Third-party bodily injuries
- Lawsuits over social media posts
Workers’ compensation insurance
Most states require workers' comp for pressure washing businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers legal bills, medical expenses, and repairs if your pressure washing vehicle is involved in an auto accident. It also covers vehicle theft and vandalism.
BEST FOR
- Lawsuits from auto accidents
- Vehicle theft
- Vehicle damage
Business owner's policy
A BOP is a cost-effective way for pressure washing contractors and businesses to buy general liability coverage and commercial property insurance together.
BEST FOR
- Customer property damage lawsuits
- Damaged pressure washing equipment
- Business interruption insurance
Commercial umbrella insurance
Commercial umbrella insurance boosts the policy limits on a pressure washing company's general liability, commercial auto, and employer's liability insurance.
BEST FOR
- Customer injury lawsuits
- Company vehicle accidents
- Lawsuits over employee injuries
Janitorial bonds
Janitorial bonds are a type of surety bond. They protect pressure washing businesses against losses caused by a dishonest employee, such as theft of client property.
BEST FOR
- Property theft
- Stolen money
- Other employee theft
Looking for different coverage? See more policies.
How much does insurance cost for cleaning professionals?
A small business with a few cleaners will pay less for insurance than a large company.
Factors that affect premiums include:
- Services offered
- Business property and equipment
- Business revenue
- Types of small business insurance purchased
- Policy limits and deductibles
How do I get pressure washing business insurance?
It's easy to get pressure washing insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find the right coverage for your pressure washing or power washing business, whether you are just starting your own operation, or have an existing business with multiple employees.
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