Pressure washing is hard work, so choosing the right insurance provider should be simple. You need liability protection for yourself and your clients, but choosing the right policy can be a pain.
Don’t worry, we made it easy for you! Our team scoured the internet, researching the best coverage options, pricing, and flexibility. Spoiler: Insurance Canopy stood out as the overall best insurance for pressure washing businesses in 2025 thanks to its affordable, industry-specific protection and instant proof of insurance.
- Best overall: Insurance Canopy
- Digital-first coverage with discounts: NEXT Insurance
- On-demand or seasonal coverage: Thimble
- Worldwide coverage with flexible payments: Hiscox
- Compare multiple quotes in one place: Simply Business
Note: Transparency is one of Insurance Canopy’s core brand values. This guide was created with the most recent and verifiable information available at the time of writing to help our readers identify which provider is best for their business (even if it’s not us).
5 Top Pressure Washing Insurance Providers
To help you compare options, we reviewed five top-rated insurance providers for pressure washers.
Insurance Canopy: Best Overall for Pressure Washing Businesses + Most Affordable Starting Cost
Pros
- Industry-specific protection tailored to pressure washers
- Affordable pricing (Learn more about pressure washing insurance costs)
- Online quote in minutes with same-day Certificate of Insurance (COI)
- A+ rated carrier coverage
- Customizable policy that you can manage online 24/7
Cons
- Doesn’t cover elevated / exterior building washing
Starting Cost
- $39 per month for $2,000,000 in coverage
Standout Features
- Add additional insureds for as little as $10 / year / AI
- Choose between monthly payments or up to 12% savings with annual payments
- Reliable U.S.-based, non-commissioned support team (with Spanish-speaking agents)
- Manage your policy, COIs, and claims entirely online
Insurance Canopy’s pressure washing insurance is designed for professionals who require fast and affordable coverage. You can protect your tools, meet client requirements on the spot, and keep everything in one place with easy online policy management — without breaking the bank.
Tip: Take a closer look at what’s covered and what’s not in Insurance Canopy’s pressure washing insurance.
NEXT Insurance: Digital-First Coverage with Discounts (If you Qualify)
Pros
- 100% online sign-up with instant COI downloads
- Customizable packages based on your business needs
- Easy-to-use mobile app for managing coverage and claims
Cons
- Limited live phone support may frustrate users who prefer speaking with a real person
- Higher starting cost compared to other providers
- May not be ideal for larger-scale operations
Starting Cost
- $411.50 per month for $2,000,000 in coverage
Coverages Included
- General liability
- Damage to premises rented to you (fire legal liability)
- Medical expense coverage
Add-Ons Offered
- Contractors’ errors and omissions insurance
- Commercial auto insurance
- Tools and equipment insurance
- Commercial property insurance
Standout Features
- Bundle multiple coverages to save up to 10%
- User-friendly online platform with instant digital documents
- 24/7 policy access through NEXT’s mobile app
NEXT Insurance is built for small business owners who prefer a modern, digital-first experience. If you want to manage your insurance on your phone, take advantage of discounts, and access COIs instantly, NEXT may be worth the higher monthly cost.
Thimble: Seasonal Coverage for Part-Time Pressure Washers
Pros
- Flexible policies (buy coverage by the hour, day, week, month, or year)
- Instant COI issued upon purchase
- Manage everything from your phone via the Thimble app
Cons
- Not ideal for larger or full-time operations that need continuous, complex coverage
- Add-on costs can increase the price quickly for year-round businesses
Starting Cost
- $197.76 per month for $2,000,000 in coverage
Coverages Included
- General liability
- Personal and advertising injury
- Customer property protection
Add-Ons Offered
- Business equipment protection
- Workers compensation
- Professional liability insurance
- Additional insureds
- Business owners policy
- Commercial auto insurance
- Commercial property insurance
- Hired and non-owned auto insurance
Standout Features
- User-friendly online platform
- No long-term commitment, cancel anytime
- Designed for flexibility
Thimble shines for pressure washing businesses that don’t work year-round or take on one-off gigs. With flexible coverage options, you only pay for insurance when you need it. You can also manage everything straight from your phone with the Thimble app.
Hiscox: Worldwide Coverage With Flexible Payments
Pros
- Global coverage available in 180+ countries
- Custom policies for specific pressure washing risks
- Strong claims support and customer service
Cons
- Not ideal for short-term or on-demand coverage
- General liability limits are lower ($1,000,000 limit)
Starting Cost
- $54.30 per month for $1,000,000 in coverage
Coverages Included
- General liability
- Cyber liability
- Terrorism coverage
- Media liability
Add-Ons Offered
- Professional liability (E&O)
- Business owner’s policy
- Workers compensation
- Short-term liability
- Medical malpractice
- Commercial auto
- Directors and officers insurance
- Umbrella insurance
- Employment practices liability insurance (EPLI)
Standout Features
- Flexible monthly or annual payment options
- Available to businesses that travel or operate internationally
Hiscox is suitable for pressure-washing business owners who want flexible payment plans and coverage that follows them wherever their jobs take them, even abroad. It’s well-suited for professionals with more diverse coverage needs or who travel to multiple job sites.
Simply Business: Compare Multiple Quotes in One Place
Pros
- Access to multiple carriers with one application
- Customize your coverage in three steps
- Access your COI online 24/7
Over 1 million small business owners insured
Cons
- Doesn’t underwrite policies directly — you’ll work with a third-party carrier
- Support experience can vary depending on the insurer you choose
Starting Cost
- $63 per month for $2,000,000 in coverage
Coverages Included
- General liability
- Contractor’s equipment and small tools
Add-Ons Offered
- Workers compensation
- Commercial auto insurance
- Professional liability insurance
- Business owners policy
Standout Features
- Compare quotes from top carriers side-by-side
- Great for new businesses that want to explore options
- Competitive pricing for new or growing pressure washing businesses
Simply Business is ideal if you want to shop around and compare multiple quotes before committing. With its marketplace approach, you can find the mix of price and protection for your business in just minutes.
It’s not an insurer, but a broker that partners with leading carriers to help you find customized coverage options based on your business size, services, and location.
Questions About Pressure Washing Business Insurance
How much does pressure washing insurance cost?
Pressure washing insurance costs $39 per month or $435 per year with Insurance Canopy.
How do I switch from my current provider to Insurance Canopy?
Switching to Insurance Canopy is simple. Follow these steps:
- Get an instant quote online
- Purchase a policy directly from the website
- Once your policy is active, access your dashboard to download your COI
- Reach out to your old policy provider to cancel your previous coverage
Do I need insurance if I’m a solo pressure washer?
Yes, you need insurance because even solo pressure washers face risks. Pressure washing insurance helps protect your business financially in these situations. Going without coverage puts your income, equipment, and professional reputation at risk, even for one-off or seasonal jobs.
Can I get same-day coverage?
Yes, Insurance Canopy offers same-day coverage with instant online quotes. You can purchase a policy in minutes and immediately access your COI from your dashboard.
Can I cancel or pause my policy?
You can cancel your Insurance Canopy policy anytime directly from your online dashboard. At this time, policies can’t be paused. If you only need coverage for a short period, consider purchasing a monthly plan. You’ll still get full access to your dashboard, COI, and coverage features, with the flexibility to cancel if needed.
Pressure Washing Insurance Isn’t Just Paperwork… It’s Peace of Mind
Your pressure washing business deserves solid protection. Insurance Canopy makes it easy to get the right coverage without the stress — fast quotes, flexible plans, and instant proof of insurance. Protect your business today and keep every job running smoothly.
