Pressure Washing Business Insurance

Pressure Washing
A person pressure washing a patio.
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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 of many reasons why business insurance is so important. It helps pay for legal expenses, medical bills, and repair costs that could otherwise sink your business.

Pressure washer cleaning a client walkway.
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Insureon helps pressure washing businesses compare quotes from top U.S. insurance carriers online. Get several quotes with one application that meet your insurance needs.

We'll help you find insurance coverage that matches 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 icon

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.

  • Accidental third-party property damage
  • Third-party bodily injuries
  • Lawsuits over advertising injuries
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Commercial auto insurance icon

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.

  • Lawsuits from auto accidents
  • Vehicle theft
  • Vehicle damage
Business owner’s policy icon

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.

  • Customer property damage lawsuits
  • Damaged pressure washing equipment
  • Business interruption insurance
Umbrella / excess liability insurance icon

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.

  • Customer injury lawsuits
  • Company vehicle accidents
  • Lawsuits over employee injuries
Surety bond icon

Janitorial bonds

Janitorial bonds are a type of surety bond. They protect pressure washing businesses against financial losses caused by a dishonest employee, such as theft of client property.

  • Property theft
  • Stolen money
  • Other employee theft
Looking for different coverage? See more policies.

How much does insurance cost for cleaning professionals?

Cleaning professional calculating cost of insurance for their business.

A small business with a few cleaners will pay less for insurance than a large company.

Factors that affect pressure washing insurance costs include:

  • Type of services offered
  • Business equipment and property
  • Annual business revenue
  • Types of small business insurance purchased
  • Policy limits, add-ons, and deductibles
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State insurance requirements

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 (COI) with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate of insurance

Insureon's licensed insurance 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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Common questions about pressure washing insurance

Take a look at answers to frequently asked questions (FAQs) about power washing insurance.

Do I need insurance to start pressure washing?

Whether or not your pressure washing business is required to have insurance will be determined by your state's laws, as well as the laws in your specific city and county. The exact requirements can vary based on a number of factors, such as your business size, the type of work you do, and how many employees you have on staff.

Some specific examples of state requirements are:

Even if it's not required, business insurance is a key component of a risk management plan for all small businesses.

Additionally, looking at your local government's requirements before starting your pressure washing services business is a key step, as they'll be able to tell you which insurance policies, licenses, bonds, permits, and fees you need to acquire or pay.

Read our blog on what steps you should take to start a pressure washing business for more information.

What other types of insurance do I need for my pressure washing business?

To fully protect your pressure washing business from all risks and liabilities, you may need additional types of coverage.

This includes:

  • Hired and non-owned auto (HNOA) insurance protects you and your employees if they drive a personal, rented, or leased vehicle for work purposes. This is because your personal auto insurance is unlikely to cover you for a work-related accident, such as visiting a client’s home or taking supplies to a job site.
  • Inland marine insurance provides coverage for business property, such as products, tools, and equipment, while it’s in transit over land or stored at an off-site location. One type of inland marine is contractor's tools and equipment coverage, which is perfect for pressure washers who have equipment that's under $10k and less than five years old.
  • Commercial property insurance covers property damage at your business’s physical location and other assets, like equipment. It covers the cost of repairing or replacing stolen, lost, or damaged business property.

How can pressure washing contractors find affordable insurance?

Pressure washers and other cleaning businesses can save money on insurance by comparing quotes from different insurance companies. With Insureon, you can get free quotes from top-rated insurance carriers by filling out one easy application.

There are a few other ways to save, such as:

  • Bundle your policies. The most popular option is a business owner's policy (BOP), which pairs your liability policy with property insurance to save money.
  • Customize your policy. You can choose lower limits, a higher deductible, or certain exclusions to save on your premium.
  • Focus on workplace safety. Fewer accidents means fewer liability claims, which helps lower your insurance costs.

Learn more about how to find cheap business insurance.

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