Pressure Washing Business Insurance
Find out which pressure washing insurance coverage you need. Compare policies from leading national insurers. Get a quote in minutes.
Insuring over 1 million small business owners worldwide.
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Why Do I Need Pressure Washing Business Insurance?
As a pressure washing pro, you know how to harness the power of water to blast away grime and restore surfaces. But that same force can sometimes cause mishaps and costly damage if things go sideways — water damage, cracked siding, or injuries. The right insurance policies can help protect your business when accidents hit harder than expected.
What Insurance Do I Need for a Power Washing Business?
General Liability Insurance
A foundational pressure washing liability insurance to help handle costs from third-party accidents, property damage, and bodily injury.
Contractor’s Equipment and Small Tools
Also known as Inland Marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored off-site.
Workers’ Comp Insurance
Coverage to help take care of employees who become sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners without employees.
What Does Pressure Washing Insurance Cover?
Pressure washing can deliver powerful results — and sometimes powerful risks. Equipment damage, accidental property harm, and employee injuries can occur when you least expect them. We can help you choose the correct power washing insurance coverages to financially protect your business from messy mishaps such as these:
Damage to someone else’s property
You’re cleaning a client’s extra grimy vinyl siding when the pressure setting slips into high gear, cracking several wall panels. The homeowner demands you cover the repairs. A general liability policy can help pay for damages that may occur on the job.
Damaged or stolen equipment
Some days, it feels like more than dirt is getting washed away. After a lunch break, you return to your truck to find your pressure washer and hoses missing. An inland marine policy could help cover the cost to replace or repair stolen or damaged equipment on the go.
Care for sick or injured employees
Blasting off years of grime is never light work. Imagine an employee loses their footing on a slippery driveway and injures their wrist. Workers’ compensation insurance can help cover medical bills and lost wages as they recover.
This coverage is often legally required and protects your business from costly claims, while ensuring your crew gets the care they need. Even solo pressure washers should consider workers’ comp, as some health insurance plans won’t cover work-related injuries.
Business Insurance
A one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
How Much Does Pressure Washing Insurance Cost?
Try our Pressure Washing Insurance Calculator
Get a quick estimate in just 3 steps.
Answers to More Power Washing Insurance Questions
Is power washing insurance required by law?
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.
What determines the cost of pressure washing insurance?
The cost for your insurance coverage is largely determined by the type of work you do, the types of risks you’re exposed to, the square footage of your office, and the number of employees you have.
Some other factors can include where your business is located, how many years of experience you have, and your annual revenue.
What should I consider before buying power washing business insurance?
If you’re considering buying power washing insurance, we recommend having the following information on hand when using our power washing insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers.
Why work with Simply Business?
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your shop and your tools and equipment, we can help find the coverage you need for your pressure washing business.
We provide customized coverage options and quotes from top-rated small business insurers — in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Feel confident about your choice
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More Helpful Information for Pressure Washing Businesses
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.