Pressure Washing Insurance
Focus on spotless results — we'll handle the rest with clear, affordable coverage tailored to your business.
- Covers Surface Damage & Water Claims – Protection if you strip paint or damage siding
- Meets Job Site Insurance Requirements – Great for residential, commercial, or municipal work
- Insures Your Gear – Add protection for the tools you rely on
4.7/5 on
Why Do Pressure Washers Need Insurance?
Pressure washing businesses face unique risks every day. For example, a client could trip and fall over your equipment and end up with medical bills. Or, your work might accidentally damage client property, resulting in repair costs. Business insurance for pressure washing is designed to protect you from potential insurance claims like these, so you can confidently focus on your work.
If you accidentally strip paint or damage a client’s siding
General Liability Insurance is designed to cover the cost of repairs.
If a client trips over your equipment and gets injured
General Liability covers the medical expenses and legal costs if necessary.
If your pressure washer gets stolen from your truck
Tools and Equipment Insurance can replace your gear so you can get back to work ASAP.
If your employee steals a client’s watch while on the job
Janitorial bonds repay the client, protecting your business reputation and customer relationships.
How Much Does Pressure Washing Insurance Cost?
Pressure washing business insurance starts at $39 per month. Your policy’s cost may change based on the size of your operation and any add-ons that you select — see what can affect your cleaning business insurance cost. But you can lock in savings of up to 12% by choosing annual coverage. Get a personalized quote for your business in under 5 minutes with our easy online application!
“Signing up was easy. It’ll give any client the comfort of knowing that you have coverage.”
Plus, it’s a good, affordable coverage that covers what I need. I definitely recommend it to people—including my son and those in other industries. I tell them to call Insurance Canopy and get covered, because it’s not overly expensive. When other people in the cleaning industry say they’re not insured, I say, “Why? It’s literally $39 per month.”
– Nicole H., Owner of Nothing But Perfection
Protected by Insurance Canopy Since 2022
What Does Pressure Washing Insurance Include?
From damaged equipment to on-the-job injuries and data breaches, our coverage options are designed to protect your business in many different — but all-too-common — scenarios.
Take a closer look at what’s included in the base policy and how you can customize your coverage, as well as what is specifically excluded.
Included
General Liability Coverage
General liability insurance protects your business from third-party property damage and bodily injury claims. For instance, if high-pressure water accidentally cracks a client’s window or someone slips on a wet surface after a job, this coverage can help with things like medical bills, repair costs, and legal fees.
Keep in mind that it doesn’t cover work-related injuries sustained by you or your employees — it’s designed to protect your business from third-party claims.
Note: Our policy only covers pressure washing from the ground level and excludes cleaning the exterior of buildings or power washing if working from above the ground level.
Add-Ons
Tools and Equipment Coverage
Tools and equipment insurance, also known as inland marine, covers your valuable gear (like power washers, hoses, and surface cleaners) in cases of theft or accidental damage.
Workers Compensation Coverage
In the pressure washing business, injuries are a real possibility — from slipping on slick surfaces to pulling muscles when lifting heavy gear or even getting hurt by the high-pressure water stream. Workers compensation helps cover medical costs and lost wages when accidents occur on the job.
Although most states require workers comp, it’s more than just a legal obligation. It demonstrates to your team that you’re invested in their safety and ready to assist if they get injured. Offering this protection is a smart strategy to keep your business running smoothly and your employees feeling secure.
Additional Insureds
It’s common for commercial clients, landlords, and other third parties to require you to add them to your policy as an additional insured before renting to you or hiring you. Insurance Canopy makes this easy – you can add additional insureds right from your dashboard.
Adding additional insureds to your policy extends your coverage to qualified third parties, protecting them from mishaps arising out of your work. If you’re pressure washing a client’s walkway and one of their customers slips and gets injured, they might name both you and your client in a claim. As an additional insured, your policy can also cover your client, since it arose out of your work.
Janitorial Bonds
Clients may also require you to be bonded as part of your contract. Janitorial bonds build client trust by providing financial protection if an employee is accused of theft. For example, if an employee steals tools from a client’s garage during a power washing job, the bond covers the cost of replacing the stolen items.
To protect your business against theft, it’s smart to pair general liability insurance with a janitorial bond. At Insurance Canopy, you can get a bond starting at just $131 a year!
Cyber Liability Coverage
Cyber liability insurance protects you from the fallout of data breaches, ransomware, and other digital threats. If your scheduling software is hacked, this coverage can help cover legal fees, business interruptions, data restoration costs, and more.
Commercial Auto Insurance
Whether you’re transporting equipment, hauling water tanks, or traveling between job sites, your vehicles are crucial to the success of your business. Commercial auto insurance is essential to protect your company vehicles in case of an accident while on the road.
This coverage can help cover vehicle damage, medical expenses, and liability claims. Personal auto insurance usually doesn’t cover business-related use, and in many states, commercial auto insurance is a legal requirement.
Coverage Limits for Pressure Washing Businesses
Maximum Cleaning Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$5,000
Optional Coverage Options
Tools & Equipment Coverage
Limits / Occurrence / Aggregate
Premium
Deductible
$1,000/$3,000
$40
$250
$2,000/$6,000
$55
$5,000/$10,000
$60
Need Expert Support?
Monday to Friday, 8:00 am – 8:00 pm EST
se habla español
Email: info@insurancecanopy.com
Phone: 844.520.6993
Why Power Washing Businesses Choose Insurance Canopy
At Insurance Canopy, we make it simple to get the coverage you need without sales pressure or the hassle of long phone calls. Here’s what sets us apart:
Affordable and Transparent Policies
Our policies are clear and straightforward, with no hidden surprises — providing reliable protection for your pressure washing business.
Tailored for Small Businesses Like Yours
We’re aware of the unique risks power washers face. Our coverage is designed to protect and support your business as it grows.
100% Online Backed by US-Based Support
Manage everything online with ease, with the peace of mind knowing that personalized support is there when you need it. We’re happy to assist you every step of the way.
135,000+ Small Businesses Trust Insurance Canopy
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
Questions People Ask Us About Power Washing Insurance
Is my power washing insurance policy effective immediately?
Yes! Your policy is effective as soon as you complete the application process. If you don’t want coverage to start immediately, you can choose the exact date you want coverage to start — giving you the flexibility to check “get insurance” off your to-do list any time.
Can I cancel my window cleaning policy at any time?
You can cancel your power washing business insurance whenever you need to. But note that any refund will be limited to the unused period of your policy. If you pay monthly, for example, the policy has been 100% fully earned, so a refund is not eligible. Annually pre-paid plans are refunded on a pro-rated basis.
How do I file a pressure washing claim?
It’s simple! Just log into your account, go to the “Manage Policies” section, and click on “File a Claim.” We’ll reach out within 24-48 hours to guide you through the next steps. If you need help at any point, feel free to contact us. We’re always here to assist you!
How do I renew my power washing policy?
Your pressure washing business insurance policy is set to renew automatically each year, so you never have to worry about a lapse in coverage. You’ll receive a notification before each renewal, keeping you informed and in control every step of the way.
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