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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.
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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
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 third-party property damage
- Third-party bodily injuries
- Lawsuits over advertising injuries
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
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.
BEST FOR
- Property theft
- Stolen money
- Other employee theft
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
- Accidental damage to customer property
- Damage to your building or its contents
- 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
Looking for different coverage? See more policies.
How much does insurance cost for pressure washing businesses?
A pressure washing business with only a few workers will pay less for insurance than a larger company.
Factors that affect pressure washing insurance costs include:
- Type of services offered, such as residential or commercial
- Business equipment and property
- Annual business revenue
- Types of small business insurance purchased
- Policy limits, add-ons, and deductibles
State insurance requirements
See cleaning business insurance requirements in your state
Select your state to learn about insurance requirements for your small business.
How do I get pressure washing 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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:
- California requires all pressure cleaning businesses to have workers' compensation if they have any employees, and commercial auto insurance if they utilize a business-owned vehicle.
- Florida pressure washing companies with four or more employees must maintain a workers' comp policy, as well as the minimum commercial auto coverage limits for all company vehicles.
- Texas only mandates a commercial auto insurance policy for pressure washers if they drive a work vehicle owned by the business, however a workers' comp policy is strongly recommended.
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 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 jobsite.
- Inland marine insurance provides coverage for portable business property, such as your pressure washing equipment, while it’s in transit or stored off-site. One type of inland marine is contractor's tools and equipment coverage, which is recommended for pressure washers who have newer equipment valued at less than $10,000.
- Commercial property insurance safeguards your building and its contents against financial losses from fires, storms, and burglaries. It's important to have commercial property coverage since homeowner's insurance provides little to no protection for business property.
- Business personal property (BPP) insurance covers your business personal property, which does not include buildings or offices. It protects your pressure washing equipment while it's stored at a designated location, but you'll still need inland marine insurance for while it's in transit or at a jobsite.
Some of the above coverages, such as HNOA and BPP coverage, can be added to your general liability policy as an endorsement.
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, which pairs your general liability policy with commercial 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.