How much does pressure washing insurance cost?
Pressure washing professionals can save money on commercial insurance by comparing quotes from different providers with Insureon. Your premium depends on the type of policy, coverage limits, deductibles, and factors such as your business's location and number of employees.
Top pressure washing business insurance policies and their costs
Here are the top small business insurance policies purchased by pressure washing companies and their average monthly costs:
- General liability insurance: $73 per month
- Workers' compensation insurance: $147 per month
- Janitorial bonds: $9 per month
- Commercial auto insurance: $262 per month
- Business owner's policy (BOP): $142 per month
- Commercial umbrella insurance: $76 per month
Our figures are sourced from the median cost of policies for pressure washing business owners who apply for quotes with Insureon. The median offers a better estimate of what your business is likely to pay because it excludes outlier high and low premiums.
General liability insurance
Pressure washing companies pay an average of $73 per month, or $879 annually, for general liability insurance.
A general liability policy helps pay for legal fees if a client trips on a pressure washer or if an employee accidentally damages a client's property. It also covers advertising injuries, which include slander, libel, and copyright infringement.
This is the average general liability insurance policy for pressure washing businesses that buy from Insureon:
Insurance premium: $73 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500
For small cleaning businesses that have a physical location, our insurance agents recommend a business owner's policy, which bundles general liability insurance with commercial property insurance at a discount to protect your building and its contents.
The cost of general liability insurance depends on factors such as the coverage limits you choose, the size of your business, the type of pressure washing services you provide, and any subcontractors or additional insured endorsements.
Learn more about how your premium is calculated and how to save money on your general liability policy.
Workers’ compensation insurance
Pressure washing businesses pay an average of $147 per month, or $1,761 annually, for workers' compensation insurance.
Workers' comp insurance covers medical expenses and disability benefits when you or an employee suffers a work-related bodily injury or illness. For example, an employee could inhale dust and grime at a jobsite and get sick.
Typically, state laws require pressure washing businesses with employees to carry this type of coverage.
It's also recommended for sole proprietors and independent contractors, as health insurance plans can deny claims when an injury or illness is related to your job, leaving you without financial protection.
Most workers' compensation policies include employer's liability insurance, which provides protection in case an employee sues over a work injury.
The cost of workers' comp depends on your business's location and the number of employees you have, among other factors. Learn more about how workers' comp costs are calculated and how to save money on your policy.
Janitorial bonds
The average cost of a janitorial bond is $9 per month, or $112 annually, for cleaning companies and pressure washing contractors. You might need this bond in order to sign a contract with a client.
Janitorial bonds are a type of surety bond, also called employee dishonesty coverage. If an employee steals from a client's property, the insurance company will reimburse the client for their loss. Unlike a typical insurance policy, you must pay this amount back to the insurer.
When you carry a bond, customers know they can trust your company to protect them against this type of financial loss. In fact, some customers may choose only to hire bonded and insured commercial cleaning companies.
The cost of a surety bond depends on how much coverage you buy, as it's a percentage of the total bond amount. This is also true for fidelity bonds, which are a type of surety bond.
Commercial auto insurance
Pressure washing companies pay an average of $262 per month, or $3,143 annually, for commercial auto insurance.
A commercial auto policy can pay for property damage and medical bills in an accident involving a vehicle owned by your pressure washing company. It can also cover vehicle theft, vandalism, and weather damage.
Most states require this type of insurance for vehicles owned by a business. For personal, rented, and leased vehicles used for work purposes, look to hired and non-owned auto insurance (HNOA) instead.
The cost of commercial car insurance depends on several factors, including the policy limits you choose, claims history, the value of your business vehicle(s), and the driving records of anyone permitted to drive.
Learn how insurers calculate your premium and how to save money on your commercial auto policy.
Business owner's policy (BOP)
Pressure washing companies that are small and have few risks are often eligible for a business owner's policy. Their average BOP premium is $142 per month, or $1,699 annually.
A business owner's policy is the best way for pressure washing businesses that have a building or office to protect themselves against common third-party lawsuits and damage to their building or its contents. It bundles both general liability coverage and commercial property insurance together at a lower cost than buying these policies separately.
If your business doesn't have a physical location, you can instead add business personal property (BPP) coverage to your general liability policy, or contractor's tools and equipment insurance to cover items that travel to jobsites.
This is the average business owner's policy for pressure washing businesses that buy from Insureon:
Insurance premium: $142 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $1,000
You can often add business interruption insurance to a BOP, which covers day-to-day operating expenses and other costs if your pressure washing business is forced to close temporarily due to a fire or other covered property claim.
The cost of a business owner's policy depends on the value of your building and pressure washing equipment, along with the same factors that affect your general liability premium, such as your type of business and its size.
Commercial umbrella insurance
Cleaning companies, including power washing businesses, pay an average premium of $76 per month, or $906 annually, for commercial umbrella insurance. This policy can offer the extra coverage you need to satisfy a client's requirements for higher limits on another underlying policy.
Umbrella insurance boosts the protection of your general liability insurance, commercial auto insurance, and employer's liability insurance in $1 million increments. When a claim exceeds the limits of the underlying insurance product, umbrella insurance kicks in to provide coverage.
The cost of umbrella insurance depends on your risks and on how much coverage you buy. You need to buy a certain amount of underlying coverage before you can purchase umbrella insurance.
Key factors influencing policy costs
- Number of employees: The more employees that are on staff, the more opportunities there are for accidents to happen or for potential damage to occur to someone else's property while pressure washing.
- Location: Pressure washing businesses that are located or perform services in areas prone to natural disasters, increased foot traffic, or high crime rates may have to pay more expensive premiums than those located in areas where these factors are less present.
- Services offered: Higher-risk power washing services, such as pressure washing a large commercial property, will have more costly premiums than lower-risk services, such as cleaning performed at a residential location.
- Coverage limits and deductibles: Higher coverage limits and lower deductibles will typically increase premium costs, while lower limits and a more expensive deductible can help keep insurance rates low.
- Business size and revenue: Insurance companies assume that pressure washing businesses that are making more money are also going to be facing increased industry exposure, which results in higher premiums.
- Business equipment: Higher-value power washing equipment is more likely to result in more expensive premiums than lower-cost items. Equipment that is used more frequently also tends to cost more to cover than infrequently used items.
- Types of insurance coverage purchased: Some policies are required to obtain certain pressure washing jobs. These required policies often are needed to cover more expensive accidents and lawsuits, which tend to cost more than basic coverages.
- Claims history: A power washer with a lengthy list of previous insurance claims will likely pay more for insurance than a company with no claims history.
- Years of experience: Pressure washing businesses with more experience will tend to pay lower premiums than newer businesses due to lower associated risks.
How do I get affordable power washing business insurance?
Insureon can help pressure washing companies, window cleaning companies, and house cleaning businesses find affordable insurance coverage and peace of mind in three easy steps:
- Fill out a free online application with details about your business.
- Compare custom quotes from top-rated U.S. insurance carriers.
- Select a policy and pay the premium to begin coverage.
You can consult a licensed insurance agent for questions about your risks and state insurance requirements. Additionally, they can help you find the best pressure washing policies for your company based on your unique insurance needs.
Once you've bought the right coverage, you can download a certificate of insurance (COI) for proof of insurance. Most small business owners can get insured within 24 hours of applying for quotes.
What our customers are saying
The average costs on this page were derived from our data on small business owners in the pressure washing field who purchased policies through Insureon. Most of our customers have less than five employees, annual revenue ranging from around $50,000 to more than $200,000, and five years or less in business.
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